Timely thread! We are getting together paperwork for pre-approval, but I am getting more depressed about our chances as time goes by. We are both self-employed which already makes it hard, and we have 10% of the deposit between our savings, money owed to us and some other money we can lend- so its not like its just sitting in our bank account. And our savings history is bad for the last few months as Jan/Feb is always a slow business time.

Man....when I write it all out, it sounds terrible even though we actually should be above to afford repayments....should we even bother applying?!!!

We're never going to get a house!!