From someone who has handled hundreds of first time buyer mortgage applications. I’ve seen the bank statements. I’ve seen the declines. I’ve seen the “but I didn’t know that mattered.” I’ve collected the data. I’ve analysed the patterns. I know exactly where first time buyers go wrong when applying for a mortgage. If you are a first time buyer, do not apply start viewing properties before you know these 7 things: 1. Your bank statements matter more than your salary. Lenders assess behaviour. Gam