When i was 19 I got a credit card with a £5k credit limit, which they soon upped to £7k.
Now Im 22 and they wouldnt let me open a new account cos it came with a £500 overdraft.
Good news imo

Oh and this was brilliant....
There's government schemes ATM Matt where u can rent half of the house and buy the rest. I havnt really looked into it properly but maybe that might be my best option!
Thanks for that Girdy.
I really appreciate you looking out for me but I already have an enormous house of my own which has way too much space for just me and the dog.
I don't think I could cope with another house on top of the one I already have.
Thanks anyway.