This is a bit long winded but I will try to summarise our situation. Our mortgage was sold from ptsb to pepper. We are crucified with payments at the moment. I am in the process of applying for a credit report & then forwarding onto doddl. They will revert back to us then afterwards with the next step we need to do. I am receiving working family payment at the moment & it is due for renewal shortly. I only work a 4 day week so can get this payment. My husband is self employed & is very busy with his work. When a potential new lender looks at our income & expenditure does it look bad that we are receiving wfp?