Buying a house as a sitting Tennant

If you're in thousands of credit card debt and regularly find yourself £800 overdrawn I'd reconsider a mortgage.

That doesn't paint an image of financial stability and most banks would probably agree with me. Even if you make the payments the fact you're zooming in and out of overdraft means you've made no kind of buffer, and if a big unexpected cost came up you'd be unable to pay.

Live more frugally and at least bin the overdraft, get a buffer in your account.
 
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The landlord is referring to a vendor paid deposit. Not all (I don't recall any since the one we used stopped doing it) mortgage lenders allow this.
 
If you're seriously interesting in buying a house, it's highly unlikely that the one you happen to be renting right now is the most suitable / best deal. At a very minimum, work out how much you can actually afford / want to spend then go and visit a half a dozen houses currently on the market.
 
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