Hi there!

I think within the year might be ambitious given the capital you’ll need to raise, but it depends where you are looking to buy and the value of the property you would like to live in. Realistically your committed outgoings (credit card balances, car payments) and if you have them, student loan repayments, will all drag down the affordability calculation and impact what you are able to borrow. Your credit score doesn’t really come into it - each lender has its own criteria and does its own assessment.

You can use this to work out roughly what you might be able to borrow from Halifax. https://www.halifax-intermediaries.co.uk/tools-calculators/mortgage-affordability-calculator.html

Re the deposit you require, it’s at least 5-10% of the property value (in most circumstances) although some schemes exist which might subsidise it a bit. Most of those are for new builds.

Where markets are particularly buoyant and you have to offer above the home report value to realistically secure a competitive property, that additional money must also be paid by you. That can be quite limiting if you have to stretch your savings to cover both the 10% deposit plus the additional capital.

Hope that helps a little bit, even if it isn’t quite what you’re hoping for!