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welcome to cooking the books im frances cook we all know that house prices are soaring making it harder than ever to scrape a deposit together the trick is when youre talking to a bank getting approved for a mortgage isnt a black and white process the bank actually does have a little bit of discretion just not much theyre charged with making sure they dont give you so much debt that it crushes you which means if you can show that youre a financially safe pair of hands they might let you through with a smaller deposit than others its all about speaking the banks love language so what can you do to stand out from the herd news talks at b presents cooking the books with francis cook im joined now by rupert gough from mortgage lab now its obviously quite difficult for people these days getting a house deposit together and particularly for first home buyers getting over that line tricky so first of all when youll be living there you know youre going to be an owner occupier how