Last edited: Apr 20, 2017 My partner owns a house already. It is in an area that is quite popular so we don't envisage an issue in selling it. I would be a first time buyer. Is there an option to buy together with a discounted rate or do I lose my first time buyer rate because he already owns a house? Would we have to have 20% deposit? Secondly, if I were to apply for a mortgage on my own, what kind of mortgage would I get? Is it 3.5 times your gross salary? I earn 51,000 gross yearly. I know obviously loans/credit history/ability to pay would be considered, but all things assumed to be good, what sort of mortgage would I be accepted for? Any suggestions or recommendations please?