If you are self-employed, lenders usually look at your last two or three years of figures. Many average them; some use the latest year, especially if income is rising or falling. Limited company directors may be assessed on salary plus dividends, or on salary plus retained profit.

Because approaches differ so much, the lender you approach matters more than ever. We compare the whole market to match your accounts to a lender likely to say yes.

Your home/property may be repossessed if you do not keep up repayments on your mortgage.

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Buying my first house He helped with explaining different mortgages, different ways in which first time buyers can buy 100% yes absolutely nothing

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Your home/property may be repossessed if you do not keep up repayments on your mortgage.