I was told that my rental income and property valuation were more than sufficient to get the loan i wanted. After paying £700 for a valuation with BM it so ensued that if both rental income and property valuation were below expectation then BM would decrease borrowings. I was never told this and when I asked the L&C consultant he said "you didn't ask". I wrote a complaint and still am waiting for a response. I did a lot of business with L&C and have found that it has really gone downhill..perhaps when it expanded it took regional offices where the staff are just not good enough and frankly arrogant and prejudice.