Remortgaging and affordability calculations

Wi1bur

My fixed deal has run out and I am looking for a new one...

I found out from one lender today that they now carry out affordability checks on remortgages..... this causes a problem because we have a young son and my wife is not working at the moment.

We have 65% LTV and a good credit record and have never missed a payment but if all remortgages are now done on the affordability calculations bought in by the FSA then this will be an issue.

Can someone tell me;

1. Do all lenders have to abide by these rules now or is it optional ?

2. Will using a broker be any better or will it be a waste of money, knowing I'm 25k short on the affordability calculation ?

3. My current lender is offering me a 3 year deal which I have asked for in writing - should I snap their hand off to stop being on the BVR for the next few years ?

Any help or advice greatly appreciated.:mad: