Posted on 22 March 2013 by Emma
Hello, me and my partner are looking to buy our first house. He earns £20k and I am self employed. Is it possible to get a joint mortgage based solely on his salary. Will I then be classed as a dependent if my salary is not considered - I do not earn much about £5-£7k.
If you don't put anything down for yourself and your employment, then yes a lender may assess you as a dependent. As long as you have accounts, or tax returns, then there's no real reason not to declare your income on the application. Although it may only be £5,000 - £7,000 it should only help the strength of your case.
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