Buying a house on low provable income

[Rainbowhairdontcare]

Our joint income is of around £38k. We can manage a deposit of £25k at best and we'd be looking at buying a £180k house. Do you know of any mortgage lenders that would be happy to lend £155k? That's 4x our joint salary. So doesn't seem crazy high. However it looks that we'd get 130k on hábito and L&C is looking into what else we could afford as I have a holiday rental that produces £8k per year after tax, but as taxes are paid where the property is located most lenders won't take that into account. Mortgage payment would £600 and our rent is £1k so it seems like a no brainer to try and get on the ladder asap

Why is your rent so high? Could you sell your holiday pet for a larger deposit/to buy in cash?

That's just how much rentals are here... Nothing I can do about that. For better or for worse the holiday let is tied to a trust and won't be able to sell it for the next 10 years at the very least

See an all of market broker that deals with all the different lenders. We had one come in the other day that lends up to 5.5 x salary (although I can’t remeber which lender if was). I’m an administrator for mortgage company.

So like L&C?