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Mortgage Supplier Advice

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where I live is a house with a lock up shop to the front of it


. I have been renting the house for almost 12 years and the shop for just over 6 years.


It is privately rented but I would be interested in buying the property and I know my landlord would sell.


The value I would estimate is in the region of £145000.

Getting together some sort of deposit is not a problem.


My issue is that looking at my income and doing the calculations that building societies / mortgage lenders do,

I fall far short of what I would need to borrow compared to the amount they would lend.


My rent is £550 per month and the shop is £400 per month so I am currently paying £950 per month.


I am certain that mortgage repayments would not be more than this.

As over the past 12 years I have proven that I can afford this amount are there any establishments around who would look at affording me a mortgage on the basis of my proven rent payments ?


Thank you in advance for any help or advice

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