I just got mine 15 mins ago . Usually if they take the money out you should be good . <| sep |> The normal rules with mortgages is that they will lend a maximum of 4 . 5 x your salary . If that is both of you together that means you can borrow 162 k . Adding your 70 k means you are likely to be able to buy a share worth 232 k , which the property you have found is just about feasible . If however it is just in your partners name , your salary gets excluded , and as far as i know the maintenance payments are not counted . That gives a total of 187 k , definitely not enough for this property . Others will be able to advise on your defaults , which as you say will clear shortly , it would probably be worth waiting until they have gone before buying something .