First Time Buyer

Steameh

Afternoon all,

Looking to step into the big wide world of mortgages at some point this year.

Currently living at home with my Mum in a 3 bedroom house. My Mum is selling up and ideally wants to downsize to a 2 bedroom house.

My current situation is as follows.

Salary: £21000 paid 4 weekly
Overtime: ~4 hours every 4 weeks
Bonus: £500 - £1500

Debt: £3500 at 0%
Savings: £1500 + £600 every 4 weeks.

I've had a mortgage assessment and they have said they can lend me £70560 with the credit cards and £78000 without.

Properties I am looking at are around £80k so with a 5% deposit I should be able to achieve this providing the credit cards are gone.

How easily available are 95% mortgages? My credit history should be top notch, had my fair share of debt but always paid in time and overpaid the minimum.