Has anyone had experience of being refused a mortgage when you are only looking to borrow 30% of properties value or similar? We are very lucky to have the money to pay cash for our new house but have decided to port our exiting mortgage to save us paying £20k in early redemption penalties. We keep being asked to provide more and more information about where the 70% cash has come from. It’s quite simple to explain but they keep asking for more information and are querying salary too. We are not changing the amount we want to borrow and have paid off 10% of current mortgage every year so can easily afford monthly repayments. Are they just being diligent or is there a chance they will refuse mortgage??