Complicated mortgage problems

da_rule

I don't think them being in a relationship would help, although it may take your children out of the equation. It might be worth asking whether there has been any assumption that your partner contributes towards them.

Unfortunately the size of the deposit is only one factor. It's the size of the mortgage that the mortgage company is worried about and the ability to pay that back. Although with such a large deposit there is little chance the mortgage company would lose out. But they cannot lend any more where they don't believe the person can afford to maintain the payments.

If you do get rejected, see if you can find out how much they would be willing to lend, and see if you can find out if this would change once the debts have been cleared. At least then you'll have an idea of what houses you can afford.

Also, your partners income isn't the only issue, as it's a joint mortgage they will look at your friend, so her income, age, credit score, debts etc.

Ff1478

Thanks for taking your time to read my post and advice me and yes that link was helpful interesting and scary :-(

I will try to remain positive and await their decision but thanks again