On benefits and income and property sale outright - chances of mortgage

mangled

Am just putting this out there to see if anyone have any decent advice as to possibilities I could consider 🙂 

I have a two bed flat in Berkshire, new build 10 years ago.

If selling can expect get £240 k


I own it outright with no mortgage.


I am considering moving as costs still currently £150 per month service charges which in  years to come will only go up.


On top of this I have £150 k in Bank 

I am considering buying property with garden hopefully max £375 k

And although I would still have some savings

I am nearly 55 but have a disability that I can earn with but it's more limited now.

My current income with disability benefit is averaging around £21 500 per year.

So I was potentially considering on top of the equity I would get from sale of my flat putting on another £70k


So I probably get mortgage for 70k and at time of purchase would I guess have around 65k left in Bank.


Am just putting this out there to see  if anyone could give me likelihood getting mortgage with all this info.

Ie I am 54 so 15 year mortgage term I guess as  otherwise well into retirement 

Anyone have any relevant knowledge or thoughts with this kind of scenario 

Be very grateful for any advice.

Many thanks

Chris Downes