First-time buyers, remortgagers coming off cheap fixes, self-employed applicants with one good year, and buyers with a default from 2022. Each case is anonymised, worked through in pounds, and ends with what I would do, including the ones where the honest answer was to wait.

What this section covers

• First-time buyers: deposits, Lifetime ISAs, gifted deposits and the 5.5 times income lenders
• Remortgagers coming off cheap fixes and what the new payment really is
• Self-employed applicants with one good year
• Defaults, missed payments and the lenders that still say yes
• Every case ends with what I would do

New articles are published under Remortgaging, Self-Employed, Cases.