Well banks don't loan money to just anybody. They want to feel secure that you're able and responsible enough to pay them back. I think you should take advice from a qualified mortgage adviser.
Use a website like http://www.unbiased.co.uk/ to find a good mortgage adviser that would able to solve your queries.
However, as I am working as a london estate agent
I think to buy a home you can make them contact as they help you to arrange mortgages, loans and finance as per your budget as well.
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