Mortgage Companies take Maintenance etc into account

[tadpole73]

Does anyone know which mortgage companies take maintenance and/or tax credits into account? If so, do they take 100% into account?

I spoke to London & Country brokers and some definitely take all of it into account. They said i needed to be receiving it for 3 months first though.

I was looking into buying a house to leave (h buying me out) so don't know which companies - had to move into rental. The maintenance makes about 50k difference to the mortgage I can get even though it's not a lot of money I get.

I have a mortgage with NatWest and they take maintenance, tax credits, benefits etc into account as long as the mortgage term ends before the benefit ends e.g. Before the youngest child is 18.

My mortgage is with the Halifax and they took my maintainance into account but I had to make sure XP paid it into the bank so I could prove it rather than giving me cash which he sometimes used to because he's self employed. Initially they asked to see a court order which I thought was a bit odd because 1) we have an amicable agreement so he hasn't been 'ordered' to pay and 2) I know from bitter experience with my XH that a court order does not necessarily mean you'll get any money!

I am with Halifax. When i desperately needed help they refused to take maintenance into account as "its not a guaranteed income" i pointed out nor is my job - as anyone could be fired or made redundant at any time. Silly woman also told dp that he didnt earn enough to come onto mortgage to take ex off... yet dp now ( at same job i may add) has a mortgage outright in his own name with.. you you guessed it.. the halifax! Now embroiled in a legal battle over the house with ex. My advice.. if your with halifax... run far far away

Nationwide do subject to some fairly straightforward conditions. I think they want to see it not your account for three (or six months) before DIP.

If you have a couple of lenders in mind google for their lending criteria. Sometimes the full details are hidden away on a special site for intermediaries (brokers) so "intermediaries lending criteria LendersName" is a particularly helpful search.