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There are no “standard” requirements, your circumstances and needs are your own, and as such I will provide you with your own tailored recommendation. I will look at your situation and match it to the best solution I can find.

Lenders have different requirements and applying to the wrong one could lead to a decline, which could have an effect on your credit score. As I can see what particular criteria each lender is applying and looking for, I can vastly reduce the chances of this happening to you.

If you do not believe you will be able to get a mortgage just now, let me have a look as I may be able to suggest a way you can, or at least work out a plan to work towards. We can look at Government Help Schemes, Shared Ownership, low deposit schemes, and so on.