So, I'm in the process of renewing my mortgage. Over £60k annual income. Over £70k equity in the house. Over £20k in my savings account. Want to borrow less than £110k. No fucking dice because I've got £15k on credit cards. Under writer says I've failed the affordability test. Never defaulted on any payments and have a 'good' credit rating. Unbelievable! How the fuck does that work?