This week I ended up speaking to 3-different couples who all wanted to buy their first home and all have special needs children. The issue here is that it is close to impossible to get a mortgage direct from your bank these days.

The rules in getting a mortgage have completely changed and without expert mortgage advice people are only going to get knocked back. Most think that because they have a good relationship with their bank that this will get them the mortgage.

Sorry to rain on your parade but loyalty and banking history have nothing to do with get a mortgage in poor economic times.

I had to tell one couple to go back to the drawing board and to get their personal finances back in shape before they even take the first step. I am more positive about the other couples and it now my job to guide them through the maze and help them jump over the hurdles the bank will put in their way to stop them buying their home.

Allan Matthew Cuthbert t/a Financial Wellbeing is regulated by the Central Bank of Ireland to advice on Mortgage,Savings, Life and Pension products