I’m just going to deal with the house which you currently own with your ex-partner.
If 2 people own a property are not married and there are no children and there is no agreement to the contrary as to what will happen when the property gets sold, then it is split 50-50. It doesn’t matter what each person puts in by way of deposit and what each person puts in over the period of ownership, it split 50-50. It does not matter that one of them pays all the mortgage and puts all the deposit in and the other one sits by and does nothing but drink tea, it is split 50-50.
The courts have decided that if a couple are buying a property together they would have an agreement if they were putting different amounts of money in and wanted money out in proportion. They would safeguard their “asset” by putting it in writing.
Relevant case law is Kernott v Jones.
I will say that I don’t agree with this decision but I don’t make the law, I just regurgitate it. The case does go on to say that if the couple were living in the property and one party moves out, then any contributions to the capital or fabric or improvements of the property, after that person moved out but which were made by the one remaining, will be taken into account with the final division of assets from a sale of the property.
What the case law goes on to say is that any contributions to capital (not interest) and any maintenance or payment towards the property other than the mortgage, after a couple split up will be taken into account in the division of the assets. The reason it all isn’t taken into account is that if you have the benefit of living in the property then you have the burden of paying the mortgage.
Not relative to the case law but if either party wants the property sold, then the reluctant non-sale wishing party can be taken to court for an order for sale under the Trusts of Land Appointment of Trustees Act s14 and they would usually get the order against the reluctant seller and get caught and solicitors costs also awarded against the reluctant seller. If anyone ever threatens to apply to court for an order for sale, my advice to the other party is to get the estate agents sign up straightaway.
Meanwhile, a person is not responsible for the mortgage or the bills of a house that they do not live in although they remain liable to the lender if the other co-owner stays in the property but doesn’t pay.
So that deals with the existing house.
Whether your wife will be able to get income based upon that salary really comes down to the individual lenders. If you want the best chance of getting the highest loan to income borrowing, then you might want to use a mortgage broker who can look at the whole of the market.
The maximum income multiplier is 4.5/5 times income.
Here is an article on the subject https://www.landc.co.uk/insight/2019/01/supersize-mortgages-how-much-can-you-really-borrow/#:~:text=Regulations%20mean%20that%20lenders%20can,the%20maximum%20most%20will%20lend.
It is based upon figures just over 12 months ago and they will certainly not have increased but with the current virus uncertainty, lenders may be reluctant to go the whole hog to the maximum multiplier.
Commissions may or may not be taken into account depending on the history of the level of payment of that. Even then you would be looking five times the salary which is going to be very difficult bearing in mind that you also have to repay it.
Here is a little reading on super-size mortgages for you:
Can I clarify anything else for you?
I am happy to answer any specific points arising from this.
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