With the changing rules regarding mortgages, it is best to seek professional advice when it comes to finding the right mortgage for you. I am able to give you the basic understanding of how to go about arranging financing, but what I will do for you is recommend 2 or 3 different lenders or brokers who would be best suited to your needs. This is one of the biggest factors when purchasing a home so it should not be taken lightly.
If you do not have someone that you know or trust to arrange a mortgage for you, I would be glad to recommend some professionals! After all, we won't be able to get you into a home without making sure you have the financing in place to acquire the property.