Raising a French Mortgage

[New Start]

Hi everyone, I am wondering if someone can help me. 

I am (hopefully) in the process of buying a house, and have applied for a mortgage with my bank for about 25-30% of the value. They appear to be happy with this and have agreed (conditionally!). My problem is this, I had also applied via an agent, and was horrified when he told me I could borrow 'nulle'. Apparently this is because I don't have enough 'capitaux sociale'.  I am interpreting this as the fact that I am in my third year of being self-employed, so that this is this year that I will pay an enormous amount of cotisations - for this current year, and for the differential between what I paid last year and the amount I owe. If one took the my average earnings over 2006 - 2008 even after the 46% charges, I would have more than the three times net earnings necessary, but obviously if one only looked at my third years accounts ie 2008 my net earnings will be far too low.

I am now wondering if the conditional agreement with my bank (they have all my copies of all accounts) is likely to get rejected because of this further down the line. I would be very grateful for any advice, as I have given in my notice for the house which I currently rent, and don't want to find out later that I have nowhere to live!

Many thanks