For that kind of money, you should be able to get a dry, brand-new cardboard box! And a beanbag chair.

(1) Before actually starting to look to buy get pre-qualified with a lender so you know what you can afford. It also gives you a chance to find out if there are any problems in your income or credit history. Some things can be helped, but probably not by that amount. (2) Lenders are in business to make money, not to make their customers lives better. In the best case they can do both - earn money from the interest you pay and make your life better. But they do not like to take chances. They make loans based on income, debt, and credit history (or credit score). Try to find out what the limitation was in your case. Sometimes there are errors in your credit history, income, and debt. You have a right to dispute these things if there are errors.

sounds like your debt to credit ratio is to high or you don't make a lot yearly. most likely you have to many payments which lowers the amount of mortgage you can afford.

Have you got loans off the bank previous to this? Banks won’t lend big money if you haven’t got so many small loans off them before and build up credit history with them. It’s weird but it happens 🤷

the fact you have no debt is what did it. you want some credit cards. they need to see that you can handle debt

Dude, where in England can you buy a house for £100k? Seriously! “ affordable “ homes start at easily £200k or where I live £250k. But yes also down to yearly earnings, if you work for nhs you can get 7x your annual salary, but usually it’s about 4-5x