First Time Buyer and Mortgages!

Miss_TT

Hi there.

I'm at the initial stages of researching for getting my first mortgage, so looking for some advice and pointers in the right direction.

I earn 22,500 before tax, plus enhancements (for weekends/nights etc) and would be looking for something in the range of 80,000-90,000. I don't currently have any deposit saved, but do plan to start saving in the new year - it appears that 10% in the ball mark figure, is this correct? My credit history is however clear.

This is where things become a little tricky. My partner is currently a student, but receives a pension from the RAF (due to being signed off due to a long term illness) and also receives various benefits due to same.
Do mortgage advisors generally take into account pensions and benefits towards a mortgage? Is it worth just trying to gain a mortgage based on my own income?

Lastly - I'm a public sector employee, and have read various bits and pieces about schemes to assist workers to gain mortgages more easily. Any info on this would be appreciated.

Ta x

Yorkie1

Re. the deposit, 10% is generally viewed as the minimum (although a small number of 95% mortgages are available), but you will pay high interest rates on a 90% mortgage - with the risk of negative equity in a still-falling market and pushing yourself when interest rates go up as they inevitably will.