Circumstances are changing In the sense I'm getting a promotion and my partner is getting a substantial payrise.
My one is a weird one, while I'm getting promoted I'm still on the same money, however currently a large proportion of it is considered extra income not guaranteed so doesn't count, but once promoted the entirety of my salary is guaranteed income so it makes a huge difference in our borrowing.
We're both permanent employees in the public sector with guaranteed pay rises each year, so we're hoping with the help of a broker we'll be considered for exception. There so many ifs and buts with it and we're just being hopeful that they'll look at these change of circumstances as a good thing for our payback ability.
The exception is just to get the area we want, we can still get a decent new build with our 3.5 times our salary but a bit further out on the commuter belt.