Having read your message i would consider that you are in Quite a Fortunate Position compared to others-in that they have already reduced the Shortfall Payment-without you asking! They could ,as you state work ,so if not, self employed could go for a ATTACHMENT OF EARNINGS on your salary Stating you have other loans and service these and that you also wish to apply for a new mortgage with your Partner all these points infact although you have been very honest go against you-as you will see from the Horror stories on the web site! Why are you applying for a joint mortgage? On the plus side if they are reducing it already there must be some reason-so perhaps it would be advisably to go and see a CAB debt advisor or Solicitor to question the orginal shortfall?(posted 8718 days ago)You many not like my reply but having seen so many of these cases and outcomes and fights!!! There is no point in beating about the bush Wish ytou well and also for your honesty in your orginal Question
Regards
Charles Twford