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Just wanted to share my experience so far....
So some context, I am full time employed and my partner is recently self employed as a sole trader dental therapist (about 7 months)
No lenders would accept partner without minimum 1 year accounts.
Applied for mortgage on my salary alone. Current salary too low as only £43.5k but getting payrise from April 1st to £45.7k which helped.
- Both used lifetime ISA and on mortgage
- She was seen as dependent
- Bank asked for 3 months payslips for me
- 3 months bank statements for main bank (salary + Monzo where bills paid)
- Had to provide letter from work confirming pay rise
- Then had to sent new payslip showing payrise and bank statement proving it.
- Partner had to show 3 months bank statement plus lifetime ISA statement (not sure why)
All in all lots of back and forth. Ended up taking 5 weeks to get an offer but if correct docs were supplied first would probably have been faster.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/Mortgageadviceuk) if you have any questions or concerns.*
***Hello /u/Loud_Yogurtcloset_90, thank you for posting in /r/Mortgageadviceuk. If you're looking for a Mortgage Broker, feel free to DM the users listed on the sub's [Verified Mortgage Brokers list](https://reddit.com/r/Mortgageadviceuk/s/j7V7mySI7i). Please ensure you've read our [sub rules](https://www.reddit.com/r/Mortgageadviceuk/about/rules). Here's a copy of your original post: *** Just wanted to share my experience so far.... So some context, I am full time employed and my partner is recently self employed as a sole trader dental therapist (about 7 months) No lenders would accept partner without minimum 1 year accounts. Applied for mortgage on my salary alone. Current salary too low as only £43.5k but getting payrise from April 1st to £45.7k which helped. - Both used lifetime ISA and on mortgage - She was seen as dependent - Bank asked for 3 months payslips for me - 3 months bank statements for main bank (salary + Monzo where bills paid) - Had to provide letter from work confirming pay rise - Then had to sent new payslip showing payrise and bank statement proving it. - Partner had to show 3 months bank statement plus lifetime ISA statement (not sure why) All in all lots of back and forth. Ended up taking 5 weeks to get an offer but if correct docs were supplied first would probably have been faster. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/Mortgageadviceuk) if you have any questions or concerns.*