I do hope you can get this sorted.
We had a mortgage for many years with one building society. When we moved, we thought we could just take the mortgage with us - it was supposed to be transferrable - oh, not that simple!! Because the BS had been taken over, we were treated as a new customer, and had to reapply. We spent a couple of hours being grilled about our finances and ability to pay.....we were borrowing less than 30 per cent of the cost of the cottage - way less that most borrowers. Then they did not like the fact that we had no credit cards ......no finance on cars .....and here was us thinking that was a good thing. No - they want you to be up to the eyes in debt, and showing how you struggle every month to meet your payments. Then they will still say no!!
We eventually got our mortgage, but have vowed never again!!
A young couple I know are buying a house. Nothing posh, cheap by todays standards. They were told to pay for the damp proof course, and new windows (they already rent the house). They managed this out of their saved deposit. Now have been told they have not enough money to put down on the deposit .....As you can imagine, they are not happy. Now got another meeting to try and sort it out.