Who will lend me the money I need

hi,

I am looking for a bit of help before I actually apply for my mortgage. I have been using the calculators on mortgage providers websites to work out how much I can borrow. Are these calculators accurate at all?

I am looking to buy a flat in Scotland for £50000 and putting down a £5000 deposit. My salary is £15000 per year. Does anyone know which lenders are least likely to reject my mortgage application based on these figures. I have a good credit rating and my only major outgoing monthly expense is my car at £180 per month.

Any advice would be much appreciated.

Thanks
Jonathan Law