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Hi bednobs, my boyfriend suggested that we get a credit card and pay it off at the end of the month but i'd figured they'd see through such an obvious ploy, its worth a go I guess. Unfortunately we can borrow the money from anyone, my parents have agreed that the could borrow us �2000 at a stretch but they have there own mortgage payments to deal with so I don't want to stretch their finances. I live in Manchester, so average house prices for a 3 bed is a lot higher, its in an up and coming area that hasn't quite got the attention it deserves yet, mine and my partners combined income is �30000 so we can't afford much more that �90000 and the longer we wait, the more likely we'll be priced out of the housing market completely, thats why we went for the 100%, we had this idea that i'd leave uni (done), we'd save for driving lessons and a car then when we'd done that we'd save for a deposit for a house, then suddenly mid way through my boyfriends driving lessons we fnd ourselves in a position where there are very few houses we could afford based on our income and even fewer thre beds, so it was now or never so no time to save a deposit.
Annie 0000, we already have landline telephone, electric , internet and two mobile telephone bills against our names, I hadn't even considered that we might not be offered the full 100% because I thought that would be enough! Clearly not... the mortgage broker idea is good, i'll try that.
Thanks both of you