First time buyer, having help from parents.

Cakeguts

Newtown wrote: »

Housing in UK is a SCAM. (I say that as someone who is in the process of buying their first property : full disclosure. Paying £750 rent my self. I know at some point a crash is coming. But then part of me thinks rent money is money down the pan as well. You cannot win. )

Its a sad thing that housing is an "investment" rather than a basic human need. everything depreciates apart from housing . (Help to guy . affordable housing . help to buy ISA etc etc all to keep the prices inflated)

All you have to do to correct this is when you come to sell your bought house is to sell it at half its market value since you seem to think that this is what everyone else should do. So if you spend £100k buying a house you should sell it for £50k so that someone can buy it cheaper. Of course that will mean that you will have to pay the rest of the mortgage or difference in price for the next house out of your own savings but that will be fine won't it because at least you won't be charging your buyers the scam market price for your house you will be letting them have it very cheap?

steampowered

i make a fair ammount of money from additional hours which have been consistant for 4 years and im being told i cannot count these in my mortgage,

Why don't you try speaking to a mortgage broker, such as London & Country.

Although Halifax may not count these towards your affordability, other lenders might.

You could also consider a Barclays springboard mortgage: http://www.barclays.co.uk/mortgages/family-springboard-mortgage