Yeah, you have to prove to the bank where the downpayment is coming from and show you financial records for the past 90 days. If any of the money is borrowed, they don't count that.
Since your wife poses the financial problem, have you tried just putting the mortgage in your own name? It could work provided you earn enough money. Generally speaking, the bank will let you borrow 3x your annual salary.
Hope that helps. I just went through all this stuff about a month ago, and I ended up having to leave me girlfriend off the mortgage because she had a lot of loans and relativley low income, and I qualified for the mortgage just on my own.
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