Child Maintenance payments – can they be used to get a mortgage?

By Mark Carney. February 12, 2025.

When applying for a mortgage and using child maintenance as part of your income, the process can be tricky. Lenders have different policies regarding how they view child maintenance payments, and some may not consider it as income at all. To help you navigate this, here’s what you need to know.

When using child maintenance as income for a mortgage application, lenders generally need to know how long you will continue to receive payments and whether there’s a formal agreement in place. Some lenders may accept up to 100% of your child maintenance payments, while others may only count 50-60%. It’s essential to research the criteria of different lenders before submitting your application.

The age of your child or children may also be a factor for lenders when reviewing your application. They want to ensure that the mortgage is sustainable and affordable, even once those payments end. That’s why it’s important to have a formal agreement and be prepared to show proof of other income sources.

Finding the right mortgage when using child maintenance can be challenging, so it’s a good idea to consult with an experienced mortgage broker. They can help you break down your income, including child maintenance payments, and find deals that suit your financial situation. Brokers also have access to exclusive deals that may not be available through regular lenders.

In summary, child maintenance payments can be included in a mortgage application, but thorough research and expert advice are key. Understanding how lenders view these payments and how to present your application effectively will improve your chances of securing a good mortgage deal. With the right guidance, you can find a mortgage that works for both you and your family.

Additionally, remember that other factors, like your credit score and the lender’s specific criteria, will also play a role in your mortgage approval. Make sure you’re aware of all the requirements before applying to give yourself the best chance of success.

If you want to know more or have any questions then contact your local mortgage advisor today.