DS is 25 and has made an offer on a flat in Scotland. He got an an agreement in principle before making an offer. He made a mortgage application at 89% LTV with Halifax/BOS, although he does actually have some more savings. I am worried that he might have made a mistake by not taking the LTV to 85%. If the bank are worried about affordability, would it be a straight decline or could they ask him to increase his deposit? I am concerned what the effect will be if he gets declined? Thanks for any advice.