Mortgage refusal

Eri30

Hi all i dont know if iam in the right page,i wanted to ask for an advice or a solution,today my mortgage from santander was refused based on mine and my wife's outgoing bills,i don't see how that can make any sence as now i pay £600 rent where is my mortgage would've been  £360 a month,and my outgoing bills have never been latte on payment,is there any way i can appeal the decision or anything i could do for the bank to approve my application.
Thanks in advance.

LadyGnome

Firstly check your credit file to see what your credit score is to make sure there isn’t an old problem eg I had a missed credit card payment as I had cancelled a card before I moved and didn’t get the final bill. The amount was tiny but it nearly derailed my mortgage. 

The Money Advice Service has an affordability calculator so put your numbers in there and see what they say. 

Do you have other debts? Are you only making minimum payments?  One thing they consider is how you will cope if interest rates go up as they are at a historic low. 

You could also consider using a mortgage broker.