Remortgaging when salary is much less now than before

SDO

I wonder if someone is kind enough to advise me regarding remortgaging our home.
When we bought our house 8 years ago for £175k my husband was earning £30k and I was earning £26k plus we had about £40k from previous property moves.
We remortgaged 5 years when my husband was earning £30k and I was earning £6k plus we put every penny we could towards the mortgage to ensure that we had 75% loan to value and therefore a better fixed rate. We pay £750ish per month and I believe our current rate is about 4.2%ish fixed with santander.
My concern now is that the fixed term is coming to an end and while variable is likely too be cheaper than our current rate we prefer the safety of knowing that we are fixed so must remortgage. Now though My husband earns £30k but I am self employed and have only been earning about £1k over the last 3 years so will a company still lend us enough money even though when using the calculators we cant borrow enough to cover the £115k we have left on a 19 year term? Our house is currently worth around £210k, perhaps a bit less to be cautious.
Thank you to anyone who can help advise me

kingstreet

Ask your current lender for customer retention options which will usually be free of further status/affordability checks.

Then use lender affordability calculators and consult a broker about possible remortgage options based on your current income/outgoings.

SDO

Thank you. I will do that tomorrow. I dont think there is anything we can do or say to increase our chances of a good deal, but wanted to ask in case anyone had any magic wand advice

ed67812

I think you'll be okay........owing 115k on a 210k house, gives you a LTV of below 65%, which opens up a lot of really good rates, much lower than your current rate.

You fit within the lending criteria for 115k loan on your join circumstances for a First direct ten year fixed for example of 2.89 (just as an example). £404 month on a 40 year term but allows unlimited overpayments as and when your business earnings pick up.

All I am saying is, I think you are worrying too much. You're in a better position than many.