Do I have any avenues for re-fixing?

Burlesque_Babe

I am currently on a 5.44% fixed rate, coming to an end next month.

The lender doesn't automatically offer new deals and I would have to go through the application process where I feel I will currently be rejected.

When I got my current deal 3 years ago I was earning 28.5k. I was made redundant and have been with my new employer for 2 years. However, I have a couple of problems that I don't know how they will affect any new applications to re-fix when I feel I need to.

I have 3 jobs with my new employer:

Job 1: 18.5 hrs per week, permanent post, 7.5k per annum
Job 2: 18.5 hrs per week, rolling contract, 10.5k per annum
Job 3: 2 hours per week sessional teaching, 2k per annum

Total income is therefore 20k per annum plus possibly another 1k of teaching. I will need a mortgage of around 120k on a 200k property. My first problem is that I doubt my salary is high enough. My second problem is that only my permanent post has the annual salary reflected on my pay slips. The other jobs as listed as 'additional hours' with the differing hourly rates.

I guess this means I can't prove my income because it's such a combination of permanent and contract income.

At the moment, coming off my fixed rate and back onto variable is going to save me around £150 per month, but I am wary that it could start bouncing back up soon.

I'm trying to get another job with a higher salary but until that comes along I am trying to think ahead to a time where the interest rate may rise and I have my perceived difficulty that I can't get another mortgage.

Can anyone advise or confirm if my thoughts are correct? Hopefully I'll have a better paid job by the time I really need to fix, but I'm trying to find out my options and research what I can now. Cheers.