I am not convinced by all the scare stories floating around here about how difficult it is going to be to get a mortgage following the credit crunch. When I was a girl - how scary that phrase is now - one almost had to beg the building society for consideration for mortgages and they usually required a potential borrower to hold a savings account with them for at least a year before applying for a loan.  After the relaxation of the finance industry in the 1980s the uk mortgage industry exploded and the banks entered the market as well.  Once the consumer got more control over the process, there was no looking back.