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Self-employed on a low income needs a loaned £3-4k buffer cash to be repaid within 2 years
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If so I can see why a bank would be even more reluctant to lend the money.
Thats what a business does they save the profits and use it to make the business batter by buying equipment or hire staff thus increasing profits and then investing more into the husiness
You have 15k in savings use that and then when you have the kit you will be able to replenish the money quicker than you had previously.
Dont borrow money for just in case as you woild need to fund the monthly payments straight away as well as your living costs
Actual mortgage stating amount £75,150
Overpayment start date 1/3/23.
Starting balance £66,565.45
Current balance £63,787.16