So a certain amount of grovelling is probably required.
No problem
Play the "bonus" card.
Bank: "and how much do you earn"
Me: "I earn X amount"
Bank:" Hmm, you don't earn enough to borrow more money. Do you receive any bonuses or anything?"
Me: "Oh yes, I'm sure I receive at least £10,000 a year in Bonuses"
Bank: "Oh thats fine then, your further load is approved"