High multiple of wages mortgages

friedegg03

My (ex) girlfriend and I have (6 months ago) recently broken up shortly (3 months) after purchasing a house together. (As you can see I'm a fan of parentheses).

since then I have been paying all bills and the mortgage alone and can afford to keep it going. I spoke to my mrotgage lender in order to remove my ex who checked me out and I believe based on 3.5 or 4 times income said I would not be eligible to take the mortgage on in my sole name.

I earn £17500 plus regular income of around £100-£180 every 3 weeks which is approximately £2000 but isn't guaranteed (which I believe means that they only take half that amount into account). I require a mortgage to the value of around £85k. so i require something like a 5x mortgage.

Does anyone know of a lender that can accomodate me without charging me extortionate interest rates?

Thanks in advance.

Cazza

There are lenders who may be prepared to do this. I think you need to see a mortgage adviser, they'll be able to recommend if there is anyone suitable for you!

herbiesjp

What is the property value?

friedegg03

the property value is only 86500, well, that's what we paid but I presume it has gone up in value. Especially since we got it cheap for what it is as it is in an up and coming area.