dont know the answer please can someone advise

des123

we bought our house in 2005 and since then i have been paying the mortgage as the main earner and my partner pay the bills. Upto 2009 we were both in full time jobs until our daughetr was born in 2009. After this my partner went from full time to part time work due the baby. She now works two days - 15 hrs a week and pays the bills whist i pay mortgage plus some bills. Because i earn more than my partner i have always paid the mortgage. When we first got the mortgage my partner was self certified and she was in a full time job so everything was all ok.

our two year fixed came to end in 2010. We kept it running as the base interest rate was low and we are on a standard variable rate. Now we have put our house on the market as we need a bigger property and a bigger mortgage.

my question is - would my partner being in part time job now affect us getting a mortgage when we come to re –mortage for our house. If we get a new mortgage would the lenders say that my partner is not earning enough and only working part time; although i have been paying the main mortgage all these years?

Thrugelmir

Lending criteria has tightened considerably since the crash of 2008. So we're in a new era ( back to ways pre boom).

The amount you can borrow will be determined by your current salaries and circumstances. Lenders affordability calculations do vary slightly.