Myself and my husband have planning permission on a site worth €135,000. We have a gross annual income of €43,000 and want to borrow €200,000. The end value of the house will be about €320,000 - €350,000. We have no loans or dependents and are currently living with parents. Hes in a permanent job 6months and I am 18 months. Before that he did a bit of contract work in the same industry and a 9 month college course. We moved here from england in May 2004 having lived at a fixed address over there where he was in a permanent job for 7years. We have no savings but have paid off a credit card bill over the past 6 months showing we can afford to pay out €1000 per month. Will we find it difficult/easy to get a mortgage.