Hi there. Me and my wife are thinking about trading up in 2019. We bought our home in 2015 for 51k and have renovated and done as much as we could to make it a lovely but small home. We have a 2 month old baby and we have realized fairly quickly that it is going to be quite cramped so we are going to get the ball rolling on trading up and to be prepared when we want to grow our family. Our house is valued at 150k at the moment and there is 46k owed on mortgage. My question is this, would the banks be willing to lend to us at this stage? Our combined salaries are 75k and there are some small loans (10k) that could be paid off from house sale if needed. The approx amount required would be 200-220k. My account is used for most of the bills and big payments so it may not look like a massive balance at any given time but my wife’s account is what we save with/keep most of our money in. Just looking for your thoughts please on how best to get our ducks in a row for what lies ahead. I will be talking to the broker that got us our previous mortgage in the new year. Also my wife will be on maternity leave until May, although it will probably be after this when we get going.