This accessible guide sets out how current lending rules may support FTBs: including up to six-times-income borrowing and 1–5% deposits to documented rent history. It delivers useful pointers on cashflow planning, credit reports, evidence and product selection, and explains the role of Open Banking in affordability review. A future-planning section explains refinancing once the initial deal ends, encouraging a cost-aware approach. Reminder: Your home may be repossessed if you do not keep up repayments on your mortgage.