This morning, we visited a mortgage adviser with the current mortgage provider about options for buying somewhere up t'north (ok, the East Midlands…)

Having what's left of the inheritance helps enormously because it gives a worthwhile deposit, ditto house prices there. She gave a little gasp when we told her how much somewhere with four bedrooms costs there – it's doable for £200k, i.e. substantially less than this two bedroom place would go for now.

On L's sole income and 30% deposit, they'll allow us to owe them £140k. So with £35k left on this mortgage, this gives £105k in a new mortgage.

If I get a job paying £10k, how much more do you think they'll allow us to owe them?