Mortgages are a lot more flexibile now than they were in the past. When I got mine I was self-employed, and had been in school for the 2 previous years, so my income level was not great, based on the previous years. But even with those factors I had no problems, largely because my credit rating was strong.
Going through a broker is the best route - because they are charged with the responsibility of looking after your interests, as opposed to a bank that ultimately has a limited range of products they can offer you.
I have a good broker, if you want the name PM me. If memory serves though there may even be a broker here in CP.
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