Can my wage be taken into account ???

Rogdog79

Good afternoon,
My partner and I are looking into buying a house that's the easy part over .
We will have roughly 40-50k deposit from both sale of her house when she sells to her ex partner plus other saving. so deposit is no issue, the issue we will have is that 5 years ago I went bankrupt and had house repossessed before I met my partner, we do not want a joint mortgage (prob wont get one) just my partners name to be on there . Will the mortgage lender take my wage into account as I am the highest earner, we would like 60k over 10-15years would we get this on just my partners wages 17k p/a or with mine included 32k p/a as we already rent a property £625 p/m we can afford repayments.
Any help would be greatly appreciated.

ACG

No.

Only from people who are party to the mortgage.

Speak to a broker, decent deposit and 5 year bankruptcy - you might find a lender to do it joint..

kingstreet

As you'll be party to neither the mortgage nor the ownership, most lenders will have a problem if you are contributing to the deposit and living in the property, as you will be seen to be purchasing an interest in it which will legally affect theirs.