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@Sparky
Similar LTV here. Find it daft that N&P tell me that what's "affordable" for me as a mortgage payment is about 55% to 60% of what I currently pay in rent plus saving towards deposit.
Woman on phone didn't really believe me when I told her I have no travel costs (it's called a bike, Google it) and didn't spend a fortune on Sky TV, phones, clothes, booze etc.