Hi there. New to the forum and really need some advice from anyone out there in a position to give it. So here goes. I am a first time buyer. I was offered a 85% mortgage with Halifax, i have my deposit in place, and they were looking through my application to assess it this week. My mortgage adviser from First Mortgages UK called me to say that there was a problem with respect to my tax credit award notice. The halifax take tax credits into consideration when applying for mortgage and without my tax credits i have little chance in getting a mortgage as I am a single parent living in a crappy flat with two children. Anyway, the problem seems to be that my tax credit award notice says that my earnings from last year don't match up with my earnings for this year and therefore they cannot use my tax credits!! I have explained to them all from the start that i started working in november last year, hence the reason for the discrepancy in my income for year 09/10 in respect of tax credits. So my tax credits for this year are _base_d on what i earned last year as it is with everyone, and my tax credits next year will be _base_d on what i earned this year. However there still seems to be a problem with income not matching up and I just dont understand why the halifax are saying this as I've explained the reason behind the difference. Surely i am not the only one to have started work and apply for mortgage?? Has this happened to anyone else. Of course with it being the weekend I am just driving myself crazy as application deptmt for halifax is shut until Monday!!