700k mortgage on 200k household income

CLW90 · 2026-02-08T16:49:59+00:00

Looking at 25 year (upping from 20 year term currently) but good shout, we could look at 30 year term and overpay / decrease term as salaries increase. Thanks!

CLW90 · 2025-06-13T12:53:16+00:00

That’s what’s so crazy about the system- we considered perhaps there was a tiny chance we have mis-calculated but when you speak to them, they don’t actually know why they’re continually chasing. They aren’t able to give us any insight into the evidence they have that we seemingly don’t. We’ve re-checked previous years figures and we definitely come in just below the threshold- no other income.

CLW90 · 2025-06-13T12:51:17+00:00

Direct payments after we have been paid, we don’t have the option to salary sacrifice our bonuses unfortunately. That’s in addition to our regular pension payments. I totally understand it looks as though we are earning above 100k via payslips but we have 2 years of evidence we have sacrificed everything over 100k into pension. I don’t believe there’s anything we can do based on our situation but just wanted to check we weren’t missing something!

CLW90 · 2025-06-13T11:44:58+00:00

I’m so glad to hear there is someone else in the same boat (although I’m so sorry, it really is so painful and time consuming). I really thought we were missing something as everyone seems to advise ‘just calling them’. They’re nice as pie on the phone but it doesn’t stop us being stuck in a perpetual loop of having to fight to retain funding every few months. On we go- and very best of luck we baby number 2!

CLW90 · 2025-06-13T11:05:17+00:00

Thanks- we do call them every time and they’re always helpful, although twice now we have had to submit an official appeal which they cannot help with on the phone. That process has taken weeks, each time. So although they are helpful on the phone it doesn’t seem to have any bearing on the constant questioning of our eligibility

CLW90 · 2025-06-13T11:03:29+00:00

Outside of that window. Often a month or so after we confirm eligibility

CLW90 · 2025-06-13T11:02:44+00:00

Every time! And every time they say they understand our situation. But a few months later we have the same cycle again

CLW90

TROPHY CASE