Right.... any Mortgage experts!! I need a bigger house!

[Toothache]

I am currently looking to buy a 3 bedroomed house. We have a 2 bedroomed at the moment, but dd and ds are having to share a room.

When I go back to work fulltime in July our joint income will be £37,900.

We have a car loan of £5000 and a personal loan of £6500 (about 20% through paying it). So I know that will affect my mortgage.

We will make around £20,000 on our current house as a deposit.

However, most 3 bedroomed houses in the areas we are looking are going for between £120k and £150k.

If it just goes by earnings is there any way I can raise a bit more collateral?? If we get a 30 year mortgage will tha tmean we can borrow more?

I went to a mortgage advise, but she made me feel really pessimistic and actually embarassed me.

KS did they only offer you 75% loan to value or can you get more?

That sounds great ks!!

Kizzie - Thanks . But extending is not an option. We are trying to move out of the area we are in, as well as gaining an extra bedroom. We want our next move to be to a house we want to live in for a long time and invest some money in, rather than a temporary step up.

I've been given loads to think about here though, thanks everyone.