Since them life has changed quite dramatically - first I got a new full time job, previous job was part time and paid less hourly so i'm now earning about £500 a month more than before.
I contacted stepChange and we completed a new I&E as other things such as fuel use and childcare have also changed quite a bit - my payment stayed the same after this.
We are currently renting (paying £825 a month!) The IVA is only in my name, and now (this morning!) my partners parents have offered to give him £30,000 as a deposit for a house.
They don't know about the IVA...
After having a quick look in the area we would be looking to buy a house at around the £180-200k mark.
Or we could consider first time buyer deals / shared ownership etc ( I'm just throwing it all out there as i've not exactly been looking into this until they called this morning!!)
I think I already know the answer but is there any chance we would be able to get a mortgage??
Would my partner be able to get one without me?
If they give the money to my partner - would we have to pay some of it into IVA - even though it's for him not me??
As rent prices are so high in our area - the chances are our mortgage payment would be less than what we pay in rent at the moment (therefore I would be able to pay more into the IVA ...)
I will be calling stepChange to discuss as soon as they open in the morning, but any advice in the mean time would be very gratefully received!!
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