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High multiple of wages mortgages

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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.

Comments

  • Cazza
    Cazza Posts: 1,165 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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
    herbiesjp Posts: 8,499 Forumite
    What is the property value?
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • 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.
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