Is child maintenance classes as income on a mortgage application?

hannahroberts1985

i live with my partner but he can't be included on a mortgage application as he is tied into a house with his step dad and this house had some late payments a year ago which has ruined his credit rating. I'm currently part time as I look after our children. My income is £17,000 my question is if we write a contract stating he will pay me a set sum of child maintenance each month can this be used to increase my salary figure on my application? Just trying to weigh up our options.
Thanks for any advice.

ACG

That is not child maintenance.
No lender is going to accept what you have described.

hannahroberts1985

Ok thanks I though as much just trying to weigh up our best options. If partner sells his current property would it still be a no go using him on a mortgage with late mortgage payments from a year ago? His credit rating is high even with the late payments....Or how long would you recommend we wait for his late payments to clear?

ACG

Possibly, but depending on the details it may not be high street rates.

There are high street lenders who would consider it but it is difficult to say without seeing credit reports etc.

hannahroberts1985

Ok thank you I think another meeting with my broker is needed. I really appreciate your advice thanks again.

ACG

No worries, it never hurts to get a second opinion.