High Deposit, but struggling with the mortgage

HI Guys,

Thanks to all those who read and help,

I have struck a massive issue in my search for a mortgage. In the interest of transparency my position is as follows:

- Deposit - £102k
- Property Value - £340k
- Salary - £35k
- Commission - £15k

I thought with a deposit of 30%, this should all be quiet easy but at the moment i'm getting borrowing quotes well below what i need. Also my credit report has a default of £16 which is satisfied but has 3.5 years left to run.

Any help anyone can give to point me in the right direction would be a god send, i have been doing circle on this for months now and really need the expert eye of all the good folk on here.

Thanks