Help!!

Dithering_Dad

Hi Angela, I've only just revisited this thread after my initial post and I have to agree with everything people are saying. I know that the temptation is to get defensive when people give an opinion or advice that is opposed to what you are trying to do, but hopefully once you have time to reflect you'll see that they're right.

I'm not sure why your partner's work is "undeclared", but suspect that he is able to pick up a regular "cash in hand" income which is untaxed and so cannot be used as proof for your mortgage application. I know the temptation to evade tax is immense, but the tax man is not stupid and your partner will get caught eventually and could suffer quite harsh penalties.

To compound the tax fraud, you are also considering a mortgage loan fraud. I know you don't see this as "fraud" because you do have the money that you are declaring on the mortgage form, but as this is illegal money you can't declare it.

Why not start declaring your partners money to the tax man, sure you will pay additional National Insurance and Tax but you will also be able to then declare the extra income on your mortgage application form and you won't have the worry of a visit from your friendly neighbourhood tax inspector!

If I'm wrong with my assumption and your partner's money has been declared to the tax man, then please accept my apologies, but then I'd wonder why you can't put it onto your application form??