Pregnancy and Looking for a mortgage

Thanks for the advice, 80% LTV, 23 year term age 42
 
Thanks for the advice, 80% LTV, 23 year term age 42
It's not the LTV that is going to be the limiting factor here it's the change in your combined income and what that means relative to the proposed loan.

How much of your combined income did your partner account for? The larger the share the more her maternity leave well negatively impact any affordability calculations.

Specifically:

how much will your LTI change because of the maternity leave?

How much will Your monthly repayment burden (loan repayment as a percentage of after tax income) increase when your partner's income is reduced?
 
Specifically:

how much will your LTI change because of the maternity leave?

How much will Your monthly repayment burden (loan repayment as a percentage of after tax income) increase when your partner's income is reduced?

LTI approx €105K less, and approx 30% more.

I think we really need to sell apartment at this stage and reapply. Now to see if government extends the winter ban on valid notice of terminations for rental properties. Could be looking at another year delay if that's the case. Would be frustrating but not the end of the world, plenty in much worse positions than us and we'll just have to sit tight.

Thanks again for the advice.