Don't do this at home!
For many banks it has been very difficult to operate with a reduced staff who are having to deal with Mortgage Holiday enquiries as well as dealing with the day to day aspects of lending. This has meant that for some they have entirely withdrawn from new lending at the moment to those that have made it very difficult by reducing products. You can count the lenders who will lend over 90% LTV on one hand at the moment. Strange times indeed.