I'm currently on a fixed mortgage which ends early next year. My wife is pregnant and is planning to stay off work for the next year so was thinking of changing to a interest only mortgage for 1-2 years. Then when she's back at work change this back to a standard repayment (we would also likely look to take out a bigger mortgage and buy a bigger house) I was under the impression it would be a fairly straight forward process, but from the lenders I've seen all require £90,000 - £100,000 income a year to qualify (which is more than the actual mortgage i have!) - i don't earn over this anyway so don't qualify. Any advice with this and my situation?