What am I actually being predicted to be able to borrow?

[Fullrecoveryispossible]

I have a decision in principle from London and Country brokers. But they give me a figure for what I should be able to borrow, and a figure for what I possibly could borrow (£30k higher). How likely is it I could get a higher amount (credit history is good)

It may be the case that you probably could borrow more but not every lender would lend you more. If you do borrow more, you need to check that you aren’t paying a higher interest rate than the other lenders are offering.

No idea, be we used them once, they were terrible. I'd recommend looking elsewhere, sorry

London and Country are still the top recommended broker on MoneySavingExpert and come highly recommended on here too. We have used them for 20 years, never had an issue.

Have you asked your L&C advisor as to why there are two figures? I agree with what Twiglets is saying in that most lenders would lend the lower figure and some lenders will lend the higher figure but it might come down to interest rates as to whether this is affordable to you.

Isn’t it down to affordability checks? What other expenses you have?