My bank won't give me an agreement in principle - why not?
I got a mortgage with my ex partner 3 years ago so I'm familiar with the process. Since the relationship ended a year ago I've been renting but am now looking to buy. I've just been rejected from my bank for an agreement in principle. I'm confused as I feel like it's a very small amount of money to be borrowing for someone with my income.
Amount requested: £80k house price with a £16k deposit. I put salary as £40k although it's variable
Things that could have gone against me:
-I am a supply teacher these days so no permanent contract. The first time I put myself down as a contractor and the second time as a temporary worker (chatgpt recommended this change)
-I'm on my third address in the past 12 months (have bounced around since my breakup thus now trying to buy as I'm getting more settled)
-It said "have you had a mortgage with us before?" and I said "yes". Then it asked if I had paid off the mortgage in the last 12 months - again I said yes. We had to pay an early exit fee.
-On Thursday I received a text from my last council about the final month of council tax due. They said they would send the bill in the post when I told them I moved and they never did so I hadn't paid it as I just forgot, and I'm planning on paying this on Tuesday once I have phone signal. Would this be flagging on my credit check already?
I'm in the fortunate position that I have a large stock portfolio so can buy in cash if necessary, but I would rather have a mortgage if possible. Is there anything above that would have definitely triggered it? I feel like people buy way more money than me with far more precarious finances so I don't see why I would not get a mortgage.