It depends. Lenders assess every application based on things like your income, the home you want to buy, what deposit you have available, and how old you are.
You can apply in several ways:
Directly to a bank or mortgage provider - although you are limited to only those products they sell.
Through an independent broker. This option means you have access to every deal on the market and can apply to the lender most likely to approve your application and with the most competitive deals.