Hi I know this is asked a lot but I'm wondering if anyone could help me. I'm a 24 year old man. In a government job, my probationary period will be up in a month (one year probation) and I am hoping to buy me first home soon after. I have cleared all my debts, and am currently earning 28000 a year (basic pay). I have some savings which I can increase if neccessary but they are currently 22,000. I am hoping to buy a home for about 225,000. I will have a spare room if I could get a mortgage this size ( would cover a three bedroom semi-detached where I want to buy). I've tried the online calculators which say that the most I could borrow is 120,000. Anyone know If I could possibly borrow more then this? If not how can I improve my chances of getting a bigger mortgage. I cannot get a guarantor, and I don't want to buy with anyone else as I am engaged (however my fiancee has only started to work recently after finishing college and would not earn much 18000). Any help appreciated.