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[quote][i]Originally posted by Ally[/i] You can go by affordability, My mortgage is for 70k and i earn approx 17k per year (plus bonus which they can include) See at least 3 different advisors and get the lowest rate possible. I went for a mortgage with a fixed rate for the first 2 years. i wouldnt reccommend a tracker mortgage unless you have some flexibility. Sit down with your missus, total your annual earnings and monthly outgoings as things like loan payments will effect the amount you can borrow. Start looking for a place now, decide on a max budget and dont even look at places over your budget. you'll need money for fees, solicitor and mortgage set up etc plus a deposit. I was luck yenough to find a place and the sellers paid my deposit for me. You'll need at least a 9k deposit if ur wanting a 175k mortgage. Plus money for fees, furniture etc so your gunna be wanting a minimum of 17 - 20k because you'll have to pay stamp duty on a mortgage that size [/quote]
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