Should I be refused mortgage?

tombliboo

I was made REALLY dissapointed yesterday, my partner and I have recently switched our joint account to First Direct, my re-mortgage is due next month which was good timing to make us eligible for the First Direct offset mortgage that's really caught my attention.

My mortgage is less than 50% LTV and I am the only named party on the application. My partner has 2 buy-to-let properties run under a business and these are dealt with against a business account - I am not named on these mortgages it is a project she took on before we met.

When my partner moved in with me her mum remains in a house also mortgaged by my partner (her mum does not work), again I am not on the mortgage for that property.

Taking on a joint account together means both our wages are paid into this account, my mortgage and my partners mortgage come from this account understandably. In the past few months we have also used the account to pay off lump sums adhoc off one of the buy-to-let mortgages.

We have stable jobs in local government and have been financially sound all our lives, yet First Direct have now turned down my application on the basis they say should my partner lose her job I would be financially responsible for paying her mortgage. I am so dissapointed is this going to be the same with whoever I go to and are First Direct right to refuse me the mortgage on these grounds?

All advice appreciated.