Myself and my partner have been renting in the same 🏠 for

Hello and thank you for your question. My name is ***** ***** I will be very pleased to assist you. I'm a practising lawyer in England with over 15 years’ experience. Please be aware that although I will endeavour to reply to you promptly, I am also in full time private practice and so I may not be available to respond immediately and it may also take me a few minutes to prepare a reply. The site will notify you as soon as I respond. I look forward to working with you to answer your question fully.

1. I am very sorry to read of the above. May I clarify your comment that you have done "so much to the house". is this in the form of repairs or improvements please?
2. do you have some questions on the above that I can assist with?

1. thank you. Have you approached any mortgage broker to date?
2. is the landlord proposing to compensate you for any of the repairs or improvements you have carried out?

1. my apologies for the delay in reverting to you. May I confirm if you approached any mortgage brokers to date please?
2. is it the mortgage lenders that are seeking a higher deposit or the sellers?

May I confirm if you approached any mortgage brokers to date please?

Thank you. Have you approached any other brokers such as Charcol for example which work with a broad range of lenders? I do not suggest your current broker does not but different brokers work with a different range of lenders and are restricting yourself to one broker, you may be limiting your options.

Naturally, brokers are limited in themselves by the market which of course fluctuates over time both in terms of interest rates but also in terms of requirements as regards ***** ***** value. however spreading your enquiries more widely is likely to be most beneficial in terms of potentially finding a mortgage that suits your needs

Sadly finance can often be a bar to exercising legal rights and options. There will not always be a fix available.

If that's the case you could ask the landlord to lower the price perhaps as recognition for the work you have done to improve the property - some tmof that you may be able to claim for anyway.

Otherwise you may need to consider another slightly cheaper property as an alternative which is within the mortgage lenders deposit requirements

I'm very sorry to read of the above. I hope the above provides you with at least one or two options to consider

I'm glad the above answers all your questions for now though I am sorry not as you would have hoped. If you have any follow up questions please revert to me.