Can't get a mortgage on a low income but big deposit? I have 180000 in my bank. I would like to borrow 60000 to buy the house i'm currently renting for 690 a month for the last two years. The price i have negotiated is 224000 so this would leave me after fees and stuff around ten grand for emergency's. I earn 24000 a year and have never had any credit. But i can't seem to get a mortgage because i'm married with a child. I fall below the bank of Ireland minimum income criteria.
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