So we had applied for a mortgage following a lapsed (by about 10 days) AIP, giving full details as requested of both our salaries.
Now, my gross pay is about 15k higher than my base salary / pay due to team commission paid quarterly, shown on payslips etc, plus I get a small yearly bonus. As requested, I gave full details, we have an appointment with bank on Monday.
However today DH took a call from them during which it transpired that they can't take my commission into account because I've not been in my current job over 2 years, and to do they'd need 2 p60s - fair enough. The advisor on the phone was apparently worried about our affordability now however, and DH is really panicking.
I'm less concerned because I suppose I wasn't on the call and also because I went back and checked and putting in both our base salaries into their online 'how much can I borrow' mortgage calculator the house we're buying is 15k below how much that says we could borrow anyway - we were really conscious of buying somewhere affordable, well below what we could borrow according to AIP.
We've got one loan with just under 4k on it which we've had a little over a year and been paying off regularly with no problems, but no other debt other than 200 hundred pounds on an interest free cc and neither of us in overdraft. We've got savings which we could up our deposit with (was hanging onto to cover kitchen/bathroom etc) which would mean according to their mortgage calc the house we're buying is 21.5k less than we could borrow... I've not bought a house before so perhaps I'm misunderstanding something re: affordability checks?
One problem is that there's a fee a not insignificant sum on our current mortgage with this bank if we repay it early - we wanted to stay with this bank for new mortgage so we could port our old
Mortgage over and avoid the fee... so it would be a bit shit for us to have to go with someone else. 
How concerned would you be based on the above?