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ToonAndy25

GMS wrote: »

What was the situation previously? What are your circumstances now?

You may get a bit more help if you post further info on loan amount, deposit, salary etc.

Cant help but think there is an issue in the background which L&C didn't like

Previously I supplied information for a joint application where my partner couldn't prove their income and therefore were 'financially dependant' upon my wage, this was infact not the case however due to their contract L&C said lenders wouldn't take their earnings into account.

I am no longer with them and contacted L&C for a new DIP based on a single applicant, however they said that because of the previous information I supplied for a joint application (Which apparently they're obliged to provide to lenders also) it would look to the lender that I am applying as a single applicant in order to access a larger loan amount.

The property I'm interested in is currently on the market for £115,000. I earn Approximately £25,000 a year and will be placing a deposit of around £15,000.

The property was recently sold however the chain collapsed and it came back up for sale, when I viewed the house the people currently living there are ready to move and have everything packed in boxes etc so I'm hoping that it'll help negotiate and agree below the asking price.

I'm surprised by the amount of replies already but very thankful of all of this help!