Remortgage for the first time help?

Leelondon

I wonder if someone knows what is best in this situation.
My partner and I are about to remortgage on our house (3/4 months away £325k total £36k deposit and finishing 2 year fixed )
Upon getting out first mortgage we was right up to the limit with affordability, we used a national mortgage advert company, our adviser said that we didn’t meet the affordablity with quite a few lender because I’m self employed and my car expanses ( car lease and fuel ) are covered as part of my business expenses but it all comes out of my personal account . He said having the lease in my personal account means it will affect my affordablity, but having it in a business account means it won’t be calculated in my affordablity. I understand it in my personal means it will be calculated but I want to know if it’s correct about it being in a business account. My expendable cash doesn’t change which ever way, so does any one know if this is correct and should I take up this advice . The reason I’m secepitcal is the whole process with the adviser wasn’t great, we think he was new to the business .

I much appreciate any help with this , as we have taken out a personal lease on my partner car and don’t want any issues with the remortgage if it needs to go to underwriting