For people who have a less than perfect credit rating it can be particularly tough to get a home mortgage these days. In fact even with a glowing rating you can find it hard to get accepted unless you have a large deposit and a stable income. Mortgage lenders have really tightened up their criteria as to who they are willing to lend to since the beginning of the sub-prime mortgage fiasco.

The reason for this is understandable, since banks are having a bad time they need to be careful about who they give their money to so that they can be more sure that they are going to get it back in the future. They are in the business of making money after all. » Read more: Getting A Bad Credit Mortgage