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@kl
What a fucking day - met mortgage advisor last night, all cushty, no probs with anything on LTV, earnings or the like.
Only problem is that I've had a CCJ (unpaid parking ticket I didn't know about, correspondence went to my house while I was living at gf's), which I naively thought wouldn't matter - it was only a fucking parking ticket. It blew everydamnthing out of the water. For a while today, it looked like no-one would touch us at all - for the next 6 years.
Even my current lender wouldn't let me bring my mortgage if I moved house, despite earning more than double what I was on when I took it out and being much better off in terms of savings, assets etc.
As it is, we're there (at the moment) - but only due to an amazing performance by gf haranguing the mortgage advisor and him (great guy btw, if anyone wants a recommendation) sweet-talking his contacts at one of the lenders. Taking nothing for granted until it's in writing though... moving house is a horrible business.