Am I doing something wrong?

Dead_Eye_Dave

Hi folks!
I am totally new here, so please bear with me as I really am not clued up on this sort of thing.
I have to re do my mortgage because the fixed term ends in 4 weeks and nobody wants to go onto one of those evil SVRs
When I first took out the mortgage it was horrible. Nobody would lend me a bean, and I had a devil of a time getting a mortgage and only managed it when I stumped up 40% deposit. (I was sore for ages after that).
Anyway, I know I am not a big earner, but why so difficult, and why is it still so difficult this time round when all I'm doing is changing deal?
To summarise: income approx 21k main job, that's combined salary and commission. Has increased year on year for the past six years.
Second job (NHS) brings approx another 3.5k to the total (it's not paid monthly because I don't work every month but over the year totals that)
So yearly income approx 24.5k
Credit card debt / loans = 0
missed payments = 0
overdraft = 0 (never been overdrawn ever, can't afford don't buy)
Outstanding mortgage = 28k, 10yrs to go

savings = 51k (24k of that with the mortgage provider)
I pay my mortgage every month (£280ish) and also pay £750 into a monthly saver with the same provider so...
I don't pass the "affordability tests" to remortgage on my preferred deal with same provider (offset 2yr fixed @2.5ish%)
Eh?!? how am I failing this???
Surely I should be the easiest fit ever?
OK, wageslips from NHS aren't monthly and the amount varies because not set hours... but still!!
44 yrs old, never had a CCJ, never missed a payment, never been bankrupt, no criminal past, in good health.
Don't drink alcohol, don't smoke, don't gamble.
I purchased the house off a bank because they'd repossessed it from the previous owner, could it be my address that is somehow killing it?

getmore4less

Start with your current lender retention deals.

[Deleted User]

If you are staying with your current lender anyway they should/may offer an online execution only service where you can just choose a new deal with no further underwriting.

BAsed on the size of your mortgage i cant see you saving a huge amount by moving as you dont have a massive balance to be charged interest on and term is short.

How are you trying to get a new deal at the moment with your existing lender?

Thrugelmir

Use some of your savings to reduce the amount you wish to borrow.

scholesfan88

Clear the mortgage with your savings?