Hey, I'm all for tightening belts and what-not and not lending irresponsibly, but this is just silly. I can afford my current mortgage and all other outgoings comfortably. Did an application for a re-mortgage yesterday with a different lender, which will save me £103 a month. But I can't afford it apparently. I can't afford to save money. Nice one, thicko's.... Anyone in mortgages able to shed some light?