Lending criteria for self employed-SEISS?

[MrsGloriaMcSnuffkins]

DP is self employed, plumber/plasterer, and applied for the Self Employed Income Support Scheme (SEISS) grant last year when his work was impossible to do March-June ish because we were all in full lockdown and he couldn't go to work. His income recovered after that though, it was just that short spell when he couldn't work at all that caused a problem.

We are trying to get a mortgage and have been told that as he received this grant, mortgage companies are unlikely to be able to use his income in the affordability calculations. So basically the mortgage would have to be based on my income alone.

Has anyone else come across this?

Some companies will take 80% of his income and some won't use it at all. See a broker.

Thanks @delilahbucket, I have a phone call planned with a broker but just wanted to see if there was actually any point

Another problem is that I have a hefty early redemption payment to make if I leave my current mortgage lender and they are the ones advising me that they won't take his income into account so I can't port my mortgage into one in our joint names :( (would be able to otherwise).

Think we might stay put in our separate houses until the housing market is a bit more stable.

If that early redemption is very large, any mortgage adviser worth their salt is likely to tell you to stay as you are.