Lenders claim they are agreeing nearly all the applications from first-time buyers that come through their doors: Lloyds (which includes the Bank of Scotland and Halifax), for example, says eight out of 10 such applications are granted.
But we suspect that may be because may aspiring first-time buyers are not even bothering to apply right now. They know they don't have enough in the way of income, or deposit, and many don't have wealthy parents who can help them out.
No surprise, then, that the average age of a first-time buyer who has not benefitted from financial help is 37.
If you want to be able to buy your own home before you reach that age, or you are already beyond that and still need help, put your questions about how to achieve your goal to our panel.
David Hollingworth of mortgage broker London & Country, Ed Mead of estate agent Douglas & Gordon, and Martin Codd, partner at Dawsons solicitors, will be online on Tuesday at 12.30pm to answer your questions and suggest tips and ideas on how to get a mortgage, minimise legal costs, beat down the price of a house and any other queries you may have.
Please post your questions below.
