I am currently living in the Netherlands and I have quite the accumulation of UK student debt, currently it's sitting at around £50000 but based on my repayment schedule, it wouldn't affect my ability to pay back a mortgage. I've tried the online calculators offered by places such as ABN & AMRO and ING and my student loan status has a very negative impact on my calculation. I'm not sure how I should approach classifying or presenting my current debt situation as I earn more than enough to make the repayment terms on a €200'000 loan (~€600 P/M), in fact I pay more now for renting per month (€1250 P/M). How should I approach trying to get a mortgage with these facts? Does my UK loan have a different form of classification rather than being presented as regular debt? Is it equal to Student Debt accrued in the Netherlands?
To clarify the student debt is purely a student loan taken out with the Student Loans Company, furthermore if I lose my job I will not have to repay so I am more likely to receive better judgement over my actual debt.