Mortgage options advice please

Jhoney_2

Hi everyone,

I need to relocate nearer to family (more expensive area)
I am looking to borrow £85-100k max. LTV is 20-25% as a sole applicant. Deposit from intended sale c 450k for a family home near to schools, transport etc.

The current property is mine, but partner pays bills, does shopping etc to contribute to the household outgoings. Lender is Santander.

I am currently not working as at home with 1 dependant, have 1 lodger and other non taxable income totalling 2000pcm.
Current deal ends June 2015, so retention enquiries still a few months off.

Who if anyone would give me a mortgage? Credit management is good/ excellent. Affordability obviously better!

Any advice greatly appreciated. If you need more info, please ask as i may have forgotten something you need to know, in order to assist.

Thanks in advance:)

Thrugelmir

Jhoney wrote: »

and other non taxable income totalling 2000pcm.

The source of the income may well have a bearing on any outcome. Is it guaranteed?

Jhoney_2

Thanks for reply.

Yes it is and I am able to provide necessary documentation.

Sorry, reread my OP and the lodger income is included in that total, apologies.

Jhoney_2

Sorry to be a bore, but can anyone shed light on this please?

Thanks again