“I’ve been a self-employed events planner for six months while my partner Craig, 35, earns £20,000 a year as a full -time HGV driver. We’ve been renting a house in Wakefeld with our kids Bradley, eight, Summer, six, and Ruby, four, for the past six years. We really want our own home but we’re struggling to get a mortgage, despite the fact we’ve saved £10,000 for a deposit.
“Before I was self-employed, our childcare costs were deducted from mine and Craig’s salaries, which made our earnings look much lower. We approached a mortgage lender, but he told us he didn’t think we could afford the monthly repayments . Now I work for myself I no longer pay childcare as the kids stay at home during school holidays, but being self-employed…
