House rules: how to get your first mortgage
Buying a house has never been more difficult but there are ways to endear yourself to your bank and find your dream home
Things which help demonstrate a borrower’s desirability to a bank include savings and paying rent. Photograph: iStock
It has never been easy being a first-time buyer but it has rarely been harder than it is today.
Banks that 10 years ago were throwing stupid sums of money at anyone who walked through their doors are now tighter than a hipster’s trousers, while a Central Bank that once ignored the banks’ insane lending policies are now policing them with Stasi-like rigour.