Hi everyone, looking for a little advice, it's probably more likely signposting.
Me and my partner are looking to buy a flat in Glasgow come spring. By then we will have roughly £10,000 saved. We're looking at 2/3 Bed Tenement Flats in a price range of £70,000-110,000. There seems to be a decent amount of choice in this price range. We're literally right at the start of the process, I have never done anything like this before. I have a decent(ish) credit score, I haven't been able to check her's yet.
As of April (next financial year) I will be earning £20,500. Hardly a lot, I know. It is a full time job, regular employment.
My partner recently went self employed. Before that she was earning £25,000 a year. She has only been self-employed since September but her monthly income is already just shy of £2000. This is from two contracts, both of which run until at least June, with the option to extend. I know it is harder to get a mortgage if you are self employed, and by April she will only have had half a year's tax return and I'm fairly sure they ask for at least the previous two. I'm not sure whether her P60 from her last job might help things as it proves what she was earning and it matches quite well with what she is currently earning self-employed.
My main questions are can anyone recommend a good mortgage adviser and/or do I need one? How much should I budget for the entire process of buying a house (solicitors fees etc.)? And, am I currently better off applying on my own for now, given my partner has been self-employed for such a short amount of time? Having done some of the 'how much can I borrow' calculators, applying with just my salary might mean we'd be somewhere in the middle of the current budget range.
Many thanks in advance HUKD property gurus.