Ugh so the surveyor came out for the mortgage lender and was doom and gloom from the minute he walked in "garden? Doesn't add any value to a flat"
Me 

The broker has emailed me this which I think sounds positive still?
he thinks it should be fine, it just means the loan to value will increase, I called the mortgage company for an update on this and they have said it will be looked at tomorrow by an underwriter and they will get back to us on Wednesday with what options you have to proceed.