I've been refused a mortgage from NIB. I've owned my house for 4 years and have a mortgage outstanding of 212,000 and it is worth 480,000. I bought it on my own with a guarantee from my mother and my wages have increased approximately 13,000 to 49,000 now. I have rental income of 800 euro and wanted to remortgage for 260,000 over 21 years in only my name (i.e taking my mother out of the equation regarding life assurance etc.) and NIB have refused me. Any ideas why?