One of my relations has big house plans and I was just wondering if they are realistic given their situation (but I can't comment on it since it ruffles feathers) - mainly what their chance of getting a mortgage is if (a) only one person in the relationship is currently employed in a job which has always been on a contract basis and has lasted only 6 months max with no real confirmation of rehire, just luck mainly. They have worked for the past 6 months but spent the last year before that unemployed and getting EI. There is no real employment history - just the pattern of getting hired for 6 months then unemployed for 6 months to a year etc. The partner is likely going to get a job offer but not until spring which is the time they plan to build their own house in an area with a low cost of living (and little employment), so the mortgage would not be extremely big, and they would likely have about 5% to put toward it. They believe they will have no trouble getting a mortgage - is this the case? How will the banks look at this? Opinions?