Buying a new house

RRLOC88

Hi all,

Newbie here looking for advice.

So I currently have my own mortgage. I owe 82k and house is valued between 150-165 currently. 

I have just under 2 years left on my mortgage and when I bought this house 3 years ago I worked full time and so did my partner. Since then we have got an amazing little boy but we'd like to move to somewhere bigger. However I have an issue.... 

I only work part time now earning approx 700 a month and my partner earns the money about 2700. My partner is in a protected trust deed so he can get credit.

Can I get a mortgage but declare is wage as 2nd income as he pays  for everything just now bar the mortgage which is from my account. 

Just looking for some help info on next steps. Probably wanting to borrow like an extra 40 k so I owed 120 not 80 on a mortgage

Thanks everyone in advance 

R X

MFWannabe

You need to move this to the mortgage board as its a question regarding a mortgage 

SDLT_Geek

RRLOC88 said:

Hi all,

Newbie here looking for advice.

So I currently have my own mortgage. I owe 82k and house is valued between 150-165 currently. 

I have just under 2 years left on my mortgage and when I bought this house 3 years ago I worked full time and so did my partner. Since then we have got an amazing little boy but we'd like to move to somewhere bigger. However I have an issue.... 

I only work part time now earning approx 700 a month and my partner earns the money about 2700. My partner is in a protected trust deed so he can get credit.

Can I get a mortgage but declare is wage as 2nd income as he pays  for everything just now bar the mortgage which is from my account. 

Just looking for some help info on next steps. Probably wanting to borrow like an extra 40 k so I owed 120 not 80 on a mortgage

Thanks everyone in advance 

R X

This is in Scotland?

propertyrental

https://forums.moneysavingexpert.com/categories/mortgages-endowments

RRLOC88

SDLT_Geek said:

RRLOC88 said:

Hi all,

Newbie here looking for advice.

So I currently have my own mortgage. I owe 82k and house is valued between 150-165 currently. 

I have just under 2 years left on my mortgage and when I bought this house 3 years ago I worked full time and so did my partner. Since then we have got an amazing little boy but we'd like to move to somewhere bigger. However I have an issue.... 

I only work part time now earning approx 700 a month and my partner earns the money about 2700. My partner is in a protected trust deed so he can get credit.

Can I get a mortgage but declare is wage as 2nd income as he pays  for everything just now bar the mortgage which is from my account. 

Just looking for some help info on next steps. Probably wanting to borrow like an extra 40 k so I owed 120 not 80 on a mortgage

Thanks everyone in advance 

R X

This is in Scotland?

Yes It is I will move post 

SDLT_Geek

RRLOC88 said:

SDLT_Geek said:

RRLOC88 said:

Hi all,

Newbie here looking for advice.

So I currently have my own mortgage. I owe 82k and house is valued between 150-165 currently. 

I have just under 2 years left on my mortgage and when I bought this house 3 years ago I worked full time and so did my partner. Since then we have got an amazing little boy but we'd like to move to somewhere bigger. However I have an issue.... 

I only work part time now earning approx 700 a month and my partner earns the money about 2700. My partner is in a protected trust deed so he can get credit.

Can I get a mortgage but declare is wage as 2nd income as he pays  for everything just now bar the mortgage which is from my account. 

Just looking for some help info on next steps. Probably wanting to borrow like an extra 40 k so I owed 120 not 80 on a mortgage

Thanks everyone in advance 

R X

This is in Scotland?

Yes It is I will move post 

Good idea.  A more explanatory heading would be sensible.  It would help for you to say it is in Scotland as well.  I do not think we have "protected trust deeds" in England.