Dividends / Share Percentage to count as income towards a Natwest Mortgage?

jax123!

Hi, I've been searching for hours and have found varying information. Myself and my wife want to buy our first home and we have an appointment at the bank next week which I want to be prepared for hence the research and preparation now.

I am classed as self employed and my current company has only been trading for 9 months so i cant qualify for a mortgage based on that income yet. So the mortgage will be solely in my wives name. She has a share in my company and is paid a monthly dividend on top of her monthly salary. She currently has 30% shares but I think i may need to reduce this to under 20% so that she only has to prove 3 months worth of dividend payments and not any more? For the last 3 months she has received pretty substantial dividend payments of £7500, £15,000 and another £15,000. Previous to this it was smaller payments.

Does anyone know how Natwest work? I've been told they take the previous 3 months payments, but possibly only if she owns under 20% of the company. She will get another £15,000 in September too. I take the same amount in Dividends but I realise my income cant be included.

She has a £80,000 deposit (would could increase this to £120k if required) She also has a Salary from her main job of £18,000. We would like a £300k - £350k mortgage if possible.

I believe Natwest will take dividend payments into account, they will look at the previous 3 months worth?

My questions is does she need to have under 20% shares in order to only show 3 months worth of dividend payments? Would a 30% share require far more history?

Any information would be great! Thanks