Hi all wondering if anyone can help me. Myself and my wife just applied for a mortgage of 250,000 with aib and ics and were refused on the grounds of having no regular savings. We both are in fulltime employment making 28000 a year each have 75000 invested in a bcm management fund with 20% back next june rest invested for 3 1/2 years ,50000 invested with investec for 1 year will be available next june also, 9,000 invested with irish life property bond not the most secure has lost over 12000 in the last 18months, have a mortgage of 90,000 on current home repayments after trs are 380, paid 138,000 for home was valued at 215,000 2 years ago probably worth around 160,000 today realistically, no other loans no credit card balances pay 50 euro a week each into prsa and 50 into credit union and 10,000 savings in curret account. My question is what do we have to do to get a mortgage i am amazed we have been turned down. Were do we go from here have paid 2,000 deposit on site.Help please.