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@Fox
Some people, like tricitybendix, can muddle through fine, but by taking that approach as a first time buyer now you risk effectively denying yourself the opportunity to own a home for a period of time, which would be unfortunate, especially given the current state of the market.
You were probably lucky in the sense that if you have owned a number of houses you bought as a FTB before all of these checks and balances were brought in. They are a direct result of the 2008 boom/bust/recession/whatever when lenders leant to people who couldn't afford it and they defaulted, so there are now many more checks in place by most mortgage lenders to check that you can.
Like you say, my advice is for first time buyers only and I actually know nothing about remortgaging. Our fixed deal ends this summer so I will probably be posting in this thread then asking advice!