The scenario: At the moment I live with my parents in rented accomodation, my nanna lives on her own in a house that's fully paid for. We all want to move into a house together with me being the mortgage holder as my nanna is retired and my parents have a terrible credit rating. The house we want to move into costs £250,000, my nannas house is worth ~£120,000 and she has £70,000 to put down as a deposit so this leaves us needing a mortgage for £60,000 which sounds easy... The problem is, if we put down a £70,000 deposit but my nannas house hasn't sold, that leaves us needing a £180,000 mortgage, there's no chance I'll get accepted for that on ~15k a year. The thing is, even though I'm only on ~15k a year, the total household income would be around £4000 a month and we could easily afford the mortgage, it's just the fact that I'm the only one with a cat in hell's chance of getting a mortgage secured in the first place. Any suggestions on the best way to go about moving?