Mr Thomson, 35, has been a self-employed hotelier for eight years. He's had credit problems, (two now-satisfied CCJs and mortgage arrears) but that was over six months ago. His home is worth £150,000 and his outstanding mortgage is £65,000. He is about to marry and wants a larger, £250,000 property. The deposit is £75,000 (he is retaining £10,000 as working capital) and his income is about £35,000. His fiancé earns £30,000 and they are buying the house together.