Ask the expert: Getting a mortgage
Do you have any questions about getting a mortgage?
Once upon a time getting a mortgage to buy a home was easy. You just asked a lender and they more or less threw money at you.
Now things are very different. You will need a big deposit, typically amounting to a year's earnings, and a squeaky clean credit history too. Lenders are ultra fussy because they have relatively little money to lend and do not want to lose it if house prices keep on falling and you cannot repay.
So if buying a home is your heart's desire, but raising the finance is a problem, send us your questions using the form below.