My husband and I are currently looking at buying a house through co-ownership. however, i am on temporary employment and i've been told my income won't count and we have the option of applying jointly or my husband applying by himself. We get joint tax credits- he is paid the working tax credits and im paid the child tax credits. is this able to be included in his income? either the working tax credits or both?
Is there a possibility that your job will be made permanent? If yes, then some lenders will take a letter from the employer confirming this and lend based upon your income being permanent in say, a month or two's time.
Also, you could get the child benefit paid to your husband's account as well so that lenders will include this as part of his income.