my first loan at 18 was very difficult to get also, i tried my own branch to no avail, the best one i found was nationwide for accepting me with low wages (i was making around the same as yourself). Also the more you apply for loans the more you will get knocked back as the companies inform eachother when they knock you back for finance. As you have so much outgoings i think this may also be detrimental to your applications as the banks are being even more careful who they give money to now.