Sally M asked:


My fiancee and i both work full time but still live at home with our parents as we can’t get a mortgage….We earn £30k pa between us but the banks etc will only lend us 3x our yearly income….this means we can only borrow £90k aslong as we put a deposit down…this is all well and good but we have scowered through papers,estate agents etc for months now and cannot find anything…..the most you can get is a 1bed flat on a rough council estate…its ridiculous…i mean £90k is a huge amount of money to us….why is the market like this and what can we do to improve our chances of lending more therefore buying a house…moving further away is not an option due to work and family commitments

Evie