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@Velocio I genuinely do plan to and have mates who would move in. Also have quite a healthy deposit due to a family tragedy when i was a kid, so mortgage payment on a 2 bed flat will be negligible if I let a room out and then will have to pay bills. Currently paying 600 in rent monthly comfortably and able to save a lot, so expect the above to come in at about half that.
You've replied a few times me on the forum (this thread, encryption thread) - always super helpful so cheers for that. If you don't mind, please can I drop you a PM later on this topic? Don't want to share personal details and finances on internet really even though it's anon
bobble-
I reply ad-hoc, and I'm not by any means a specialist in this stuff... I've never rented out rooms having gone from homeless > squat > homeless > council flat > owning a flat... I've never even rented shared accommodation.
When I reply it's first-hand or second-hand info... in this case second-hand as I've known a lot of colleagues who have moved to the UK and sought to buy a property and struggled to afford it by themselves (even on tech wages).
But sure, feel free to PM.
Velocio
I'll be super honest with something... if you don't actually plan to rent a room, don't do this.
Why? Because the max mortgage they'll give to you is already going to be painful. If you fib to bump it up you may be lining up way too much pain for yourself.
This is before factoring in whether a bank would actually accept the argument (which I'm doubtful of as they really do thoroughly check the proof of income).