In your experience was it hard to get a home loan if you have one?

Answer 1

Nope. I went to a mortgage broker (because I was too busy/lazy to go to individual banks). I signed a few forms and had my loan pre-approved in a matter of days. Painless and easy as falling off a log. Then again, I had good credit. I hear that it can be much more difficult in actually getting approval for those with bad credit, to which perhaps others can be more help.