Yup lifes a bastard init...

I could only get a mortgage with one company when I bought my house, most companies work on a formula of 'X'x your annual wage, with some it's 3x others it's 5x others work on a joint income x 2.5, all of those would not add upto what I needed too pay. We ended up going with a Company called IF (intellegent finance) they work on something called affordability, where by they look at your incomings and outgoings, and if they think you can afford the payments then they'll give you the Mortgage.

It may be worth considering paying all your other debts off by adding them to your mortgage... yes you'll be paying more in the longrun, due to the lengh of time of the mortgage, but it will certainly make your payments easier to handle, and you wont have as much to pay off every month.