Every family’s dream is to live in a beautiful and comfortable house. Buying your first home is an exciting time; however there are lots of decisions and plans to make especially if you are a first- time house buyer, before jumping into buying your dream house. Let’s face it, not unless you are wealthy and born with a silver spoon or you won the lottery then buying is as easy as 1-2-3. Nevertheless, any person who has never owned a property before has a great chance to own a house through mortgage. There are a lot of lenders in the market that offers a great choice of rates and options for first time buyer mortgage. Qualifications in applying for a residential mortgage will depend largely on the size of your deposit and your credit score. Consulting brokers from mortgage- lending companies can help you find out and determine the type of mortgage that suits your finances well.