So is the problem you not being able to get a mortgage or having second thoughts about your partner and don't want one?

is the recent arguments not just caused by the stress of getting and being declined on a mortgage?

my advice would be pull the plug on it now mate if you don't want to move in with her.. don't just go thought the motions leaving it to the mortgage gods.

but if your just worried about them pulling out on you again don't be as there are plenty of other ways to get a one and plenty of houses that are "the one" and I'm sure 0james0 will be able to point you in the right direction.