Hi.
There's a few lenders who will push the boat out for a larger loan and will lend more than normal, espec ially if there is a clear plan where affordability comes into question. Also, you may have seen a more cautious lender already and then again, in my world, "Who you Know" solves alot of problems!
The trick here is that you want two things - the best rate and the largest loan. Sometimes it won't be possible to get both so it may be a case of taking the loan from one lender, then remortgaging to a better deal when the other house is sold.
If the figures just don't stack up, then there are other solutions to the problem, your situation is pretty common these days.
By all means give me a call, I arrange mortgages for a living, but also, I don't charge fees.
Adrian Garside, 01489 784022