This succinct guide details how current lending rules may assist first-time buyers: from up to six-times-income borrowing and 1–5% deposits to rent recognition. It provides step-by-step pointers on cashflow planning, credit reports, documentation and product selection, and highlights the role of Open Banking in affordability analysis. A forward-looking section covers refinancing once the initial deal ends, encouraging a measured approach. Important: Your home may be repossessed if you do not keep up repayments on your mortgage.