I agree with what you are saying here and I believe there are similar regulations in the UK for loan applications. But remember: I am _renting_ a room in a hous

I agree with what you are saying here and I believe there are similar regulations in the UK for loan applications. But remember: I am _renting_ a room in a house, not buying anything or borrowing any money. You also put down a 1 1/2 months of rent as a safety deposit.