Unfortunately, the bank always evaluates the current actual situation, so only your money and the child benefit count. You should wait until your wife goes back to work, then a loan is much easier. We also had to make compromises because my wife only started working again on a temporary contract, and the bank did not want to count the salary. We needed 550k +44k ancillary costs, with 90k equity and 125k funding for young families 20 years 0.6%, the remaining 379k through the bank, then it was no problem anymore. If you would get 108x2800 = 302400 from the bank and 125k funding, it could all work out, but it is a more complicated process to get approval. We also had the idea with the granny flat; if you're lucky, the bank counts 50-70% of your assumed rent, but only with a proper tenancy agreement including a rental contract, etc. PS: I hope you don't have any ongoing loans, like leasing, etc., that is deducted directly and then the calculation is already off.