Affordability referencing

I have just had my referencing returned Fail based on affordability! Which I am shocked at!
I earn £35k a year the rent is £900pm.
The results said….

Declared annual gross salary ……£35,400
Verified annual net base salary £18,500

What on earth does this mean and where have they got £18,500???

My employer verified my salary £35,400.

I’m so confused and desperately need this rental as I’m separating from my husband.

Please help. Xx

It may have captured your salary from your bank account automatically and it not match up

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