Hello sunnyd,you live here,or your profile would suggest you do.You subscribe to the forum,why on earth do you not talk to the banker????If he can provide the information and can give you an idea of the mortgages he has approved,or not!!would that not give you a better idea,of the reality of the situation.Facts and figures on here mean nothing,opinions on here are questionable,go to the man that knows.with regards john