Halifax Mortgage Nightmare - HELP!

FTBRen22

Evening all, 
I’m after a little bit of advice! I’m a FTB using a mortgage broker trying to purchase a shared ownership property and having nothing but issues with the Mortgage Advisor. 

Background info: 
23 and applying alone. 

£18k basic salary but £42.5k OTE 
P60 of £48k last year 
Average commission over the last 3 months of £2300 on top of £1500 basic salary. 

25% share is £43,750 I was advised to just pay a 15% deposit and mortgage the rest so applying for approx £37,000 mortgage.

Rent is £300 inc service charge etc in the remaining 75%.  

I have a car on finance at £176 a month and a 0% interest free credit card with a balance of £600 on and a motorbike on PCP at £90 per month (I can clear this if needed, they know that). I do have a credit card with £1800 that is my car insurance etc that I can clear immediately and will he just said don’t do it until he tells me too? 

I have a AIP with Halifax and then the mortgage advisor submitted my mortgage application late November. 

I am getting little to no updates from him so called Halifax myself and it seems they are questioning my affordability with them only taking into consideration 30% commission at this time. 

I work it out at around 25k PA if they only take 30% into consideration and yet they won’t lend me £37,000? I’ve done online calculators and they are all coming back with more then that etc but obviously they mean very little.

He called today to tell me I don’t fit affordability because Halifax have changed their current rules around commission again the service charge on the property is £3522 a year so nearly £300 a month they are putting on my commitments when it’s actually £4.72 a month and includes in the £300 rent? I told him that and he just says I’ll go back to them and let you know.

He’s just constantly making mistakes, slow coming back to me and left me with very little confidence in even getting the mortgage. 

As a FTB I’m just after some advice, the current vendors are waiting to move into their new house so I feel like I’m messing them around but I literally can’t do anything but wait and hear from him and he never comes to me with a solution it’s just an issue? Obviously I’ve never dealt with a mortgage advisor before my friends are telling me that was my first mistake and that I should have gone to the bank directly. 

Anybody got any advice? 

Thanks. 

Newhome2021

Hi, I’m just wondering how you got on with this please? My husband is applying for a mortgage in very similar circumstances to yours via Halifax. Thanks.