Mortgage affordability including pension contributions?

[tapandunwrap]

Possibly one for Sarnie, but wondering if there's much range in mortgage lenders that will account for salary sacrifice in the affordability checks for borrowing - or if I should stop voluntary contributions and pay PAYE tax while I'm looking for a property and re-instate after?

will lenders look badly on a 50% salary reduction in one month of the three to stay within a tax band, even if voluntary and reversible?

[Sarnie]

If you sacrifice salary, it can't be used for affordability.........

[tapandunwrap]

Thanks Sarnie - appreciate it, makes sense.

[jayxx83]

Scottish widows, Natwest and a few others ignore pension contributions.

Do lots for doctors and entrepreneurs that max out their annual allowance.