my fundamental question
You don’t have any more "fundamental" questions? Is the answer to this sufficient for you to be able to assess feasibility?
Your partner surely also receives maintenance
If so, then the ability to pay of the maintenance obligor would also have to be examined here. If children were present, then the question arises whether you would also (fully) integrate child support into the income chain here. If no children were present, then there is an own duty to work, which in many cases excludes the maintenance obligation of the "earning" party. It is therefore often to be assumed that the maintenance obligor will seek and often find the way "out of maintenance."
Recently I financed a teacher with similar conditions.
You rather mean that you found a bank which carried out the financing and paid you a corresponding commission for the brokerage transaction. I have really seen very, very many financings of this kind fail. This applies especially to "advisors" of your kind. No closing, no income.
I am happy to provide you with further information.
I gladly believe that. Replace "information" with "success-based remunerated brokerage consulting" and we're already a bit closer. You are here fishing for customers and are currently looking for topics on which the financing basically will not work. I would bet quite a lot that some forum visitors have already received private messages with explicit content.
Unfortunately, there are still far too many gullible people who, after a rejection by the house bank (which can well assess the applicants’ circumstances) and other banks, are only too happy to listen to the soothing and hopeful words of the "financial advisors" and feel confirmed in their view that the bank is obviously completely wrong in its assessment. Wake up: banks want to make money. They live on customers taking out loans AND repaying them. If they see repayment as doubtful, they will reject the loan. Conveniently, they often prevent the financial collapse of the applicants, even if the applicants (partly offended) may not want to see this fact.
You can equip yourselves at consumer advice centers with a whole range of materials on financing. Even a financing offer can be checked there for a really low price. You can usually also have the total financing and feasibility assessed there. One thing in advance: often even the consumer advice centers shake their heads at financings carried out by banks that actually should have been rejected - for the protection of the customers. If the bank already says no, then listen and question the reasons behind it. Try to critically examine these reasons yourself and – if possible – incorporate a little objectivity into your own assessment with an open mind.
You may listen to the soothing words of jovially smiling financial intermediaries, but in my opinion these are rarely objective.