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£60k is not out of reach for someone on £15k.
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But who in there right mind earning 15k would want to get so far into debt?? What if the interest rates go up again? If anybody borrows over 3.5 times there wage they must be crazy!! I certainly wont do it and thats part of the reason I am leaving the UK.
As for letting agencies, I use Rent The House in accy next to argos. If you are on the dole then you are all right, but god help you if you are working and want something half decent, the minimum is about £400 a month!!!