You are refering to Ireland holding 2 referendum on the treaty? We didn't have a referendum on the Lisbon treaty. Only Ireland did, and they choose to run it again - not the EU. Is it factually correct to state the EU ran it again? To me that's misinformation.
I don't know what the stability and growth pact is. But stability and growth sounds a good thing, why wouldn't you want that? How does it effect you day to day?
Re. Mortgages I am guessing this is something that has occured globally post credit crunch. If you recall the global financial industry collapsed because banks were lending to anyone regardless of whether they could pay back the money. We entered Austerity becuase of this, meaning nurses and teachers have barely had a pay rise for 10 years (with inflation their pay has actually gone down). The UK have taken steps to ensure this does not occur again with our own UK laws. The EU have too. That is good thing is it not? Maybe the laws need refining further, but if that is the best you can find - the only example of how the EU affects you or the UK in a day to day sense - then that is pretty weak. I'm not biased in saying that am I? It's far from overiding evidence that the EU holds us back is it?
We wouldn't prefer a credit crunch every couple of decades. Responsible government that ensures fiancial stability has to be good thing. Remember fiancial systems are global. The UK could legislate, but others in the US, Europe can still bring about ruin with improper financial practice. EU directives are without doubt useful for things that don't respect national boarders - such as finance. How could the UK ensure their own dilligence is not udermined by others without things like the EU? This is the same for pollution. How can a UK factory spend money on cleaning up emissions if Spanish ones are not, and producing their goods cheaper? Hopefully you can see that for issues that don't respect boarders - flows of money, air pollution - the Eu has a role to play?
CAP is in need of reform, however, farmers need some protection otherwise we would lose our famring industries. During WWII we found out we did not produce some things in the UK and we could not improt them due to the war. That is why there is the CAP - to protect local national farming. The premise of local food production is a good one - environmentally we should get local food rather than import it.
So migration is not an issue for you. Flagging up clever people coming to the UK is an arguement for remain then, an area you think is a postive for the UK? We take other peoples clever folkes to help us.
There are Federalists in the EU, but look around european nations, who would allow a federal EU? Its a type of project fear to suggest it would happen. We have a veto, others have a veto, most EU nations have strong national movements, and they don't want it. There will always be a tension between the EU executive who want to be able to get more done by nations being more alligned and member states who want to maintain their own control. It is a healthy tension as we end up with only the useful and essential within the EU remit on the whole. Things like polution, phone roaming etc. make it into the eu remit because it makes sense. But will we ever see a united states of Europe? Never. Its impossible. We have such distrinct languages and cultures. Even if everyone wanted it, it would be impossible to achieve.
Had the UK been part of the EU movement over the past 2 years, we could have influenced the Japan trade deal so we didn't lose production overnight. However the deal is potentially worth trillions to the UK in goods we could now sell to Japan from within the EU. Its about comromise and representation. If we had been at the table we could have had both - protected UK jobs, and increased trade to Japan. I think if there wasn't Brexit on the horizon these Japanese firms would have moved a lot slower with the car production to Japan. Brexit sped it up for them.
You have one example about mortgages - is that affecting you personally? Otherwise you're very light on examples. State aid rules and the EU are a misnomer. The French government part-own Renult, all of their railways, part of phone comapnies like Orange etc
So the only example of how the EU negatively impacts us day to day is mortgage lending? And this may or may not effect you. I'm sold.