To find out exactly what you're eligible for, it's always advisable to speak to a broker who can look at your circumstances and give you an accurate picture of what you can borrow, and what deals you might be able to get.
Admittedly, with HMRC like everything, this took some time and few calls/long holds and speak to quite a few people to get to the bottom of it. If you just get the initial customer services line they don’t know anything much and said initially that you couldn’t do this (i.e. wou...