BTL Mortgage when not earning 25k

[PostHeads123]

My partner moved in with me 5 years ago and since then she rented her place out, the mortgage company knew her situation and switched her to SMR which wasn't too bad all things considered 3.75% and she had low outstanding balance < 90k, she is not on my mortgage or anything. She now wants to remortgage her place to get a better rate / before rates start going up but we are finding lenders want her to have min 25k salary for a BTL, she only works 2 days a week and is on around 24k. Also her place is the only place she owns as well and I've noticed BTL lenders also seem to want the borrower to own another property as well in order to lend.

Does anyone of know of BTL lenders who don't consider her personal income or expect her to own another property and can offer decent mortgage rates ?

Edited by PostHeads123 on Friday 26th January 13:19

[PostHeads123]

garyhun said:

rich12 said:

I really can't help but i'm dying to know what job earns £24k a year for 2 days work a week!
That would be perfect for my misses.

A job that normally pays £60K, that you've done for years, and now allows you to job share or go part-time. That's the route I took in my career until retiring last year but maybe there are other options too.

This, but she went part-time after have my kid, she had been there for years and they didn't want to lose her.