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ReekBlefs
@Howard Yes direct with HSBC, however I've been on the phone to London and Country this lunch time to get another ball rolling.
@abr Yep, it's most annoying as the advisor in branch has gone from "I don't see a problem with this, you can afford it, you're not borrowing that much, etc etc" to "I'm not expecting a good result". You'd think he should know this is something that would put the underwriters off.
@greenhell That's the idea behind using L&C. Haven't credit checked myself but the guy at HSBC said there wasn't anything else on the credit report that would put the underwriters off. The single income was the only thing. Should I be checking myself?
@diable We're looking to borrow 182k, over 30 years. Not exactly a huge amount when it comes to mortgages (obviously still a huge amount for me)!