This educational guide outlining the evolving lending environment for first-time buyers, with attention on 6x income products, low-deposit options, and rent recognition. Readers get practical guidance on budgeting, credit preparation, documentation, and choosing a fit-for-purpose product, plus how to prepare for refinancing when an introductory rate ends. The piece also covers how Open Banking can inform affordability assessments. Important: Your home may be repossessed if you do not keep up repayments on your mortgage.