Getting a mortgage with fluctuating incomes

Natrc

Hello everyone. I'm after some advice on my current situation. 

Myself and my husband are starting to look at property to buy our first home. We are currently looking around the 100k-150k region, but are going to continue to save to open our options up a bit more as house prices in the area we want in the NW of England are climbing. 

We both have slightly odd financial situations, and I worry this may hinder our chance to get a mortgage. I am a junior doctor, and so I have a base salary, but often due to working weekends/night shifts I get a lot more than this, it changes depending upon the department I am in. My husband Is currently a contractor on a temp to hopefully perm contract. If he goes perm that great, but we have been in this position many times before and his contracts tend to just get indefinetly extended (I think it's due to the current job climate), for us this means he is a contractor, and always on 1-3 month contracts.

One solution is going for a cheaper property and then taking out the mortgage in my name and leaving my husband off, but I know a lot of lenders don't like doing that, especially because we are both contributing to the deposit (both have lifetime ISAs) and have joint bank and savings accounts. 

From a mortgage point of view does anyone have any advice? I am currently looking for a mortgage broker, but finding that hard as they often specialise in one area, but not both of our situations and so it doesn't help. Other than that, does anyone have any other advice or recommendations as to things we can do? 

Any help would be massively appreciated, I want to go into this knowing what to expect.  

K_S

@natrc Tbh, your scenario is not particularly specialist. Assuming your husband has a track record of continous employment and contracting, there are lenders who may consider it.

Your variable income also may be considered depending on how consistent it has been. Even if you're looking to borrow based just on your income, you don't need to keep your husband off the application.

As a first step I would recommend getting in touch with a broker who can look at the details and give you a realistic idea of your chances and a budget to work with.