Increasing affordability

droiderm

I am currently paying my ex wife £500 per month in child maintenance which clearly takes a big bite out of my affordability.

I was discussing with my ex wife about paying her a lump sum of around 2 thirds of the remaining amount . It has around 18 months left to run.

It turns out she probably will be declaring bankrupt which may make it a non starter...

https://forums.moneysavingexpert.com/discussion/6085248/complicated-child-maintenance-situation

Are there any ways , which would be acceptable by a lender which would somehow discount the 500 per month in lieu of a lump sum ? I suspect the answer is no, but figured I would ask anyway.

Adding the sum to a deposit wouldn't make a massive difference compared to having an extra 500 per month.

I am keen not to over borrow but would like a bit more head room around affordability.

Within the next 18 months (including this 500 ) we should be around 800 per month better off. But , would like to buy a house in the next 6 months or less.

If it matters , my preferred lender would be nationwide

Thanks