Mortgage ending in 9yrs - help 😬

getmore4less

I saw that income issue but did not dwell on it, focused on the finance of the debt. 
but a quick look it is not the full story.
https://forums.moneysavingexpert.com/discussion/6139821/can-any-mortgage-advisors-tell-me-whether-i-d-actually-get-one#latest
Its probably the Let property that has the mortgage that is running out..

“Official” net income (as shown in the accounts) from the business will go against us as it only shows - on average - around 15k per annum. These aren’t quite true figures and aren’t the extent of income (for instance, the mortgage on the buy to let property is only £300pcm but we receive £1400pcm).

there is another thread on the same lines.

https://forums.moneysavingexpert.com/discussion/6139822/would-i-get-a-nother-mortgage-advice-appreciated#latest

Other previous posts suggest the business is a guest house(that is income for this year trashed) and did make decent money a lot more than the £20k,  with the rental  and tax credits there has been a lot more free cashflow.

This 9y interest only mortgage cannot be looked at in Isolation when there are other debts and assets along with this sole trader business.