“You need a Mortgage in Principle.” Someone will say this to you. Probably an estate agent. Probably early. And probably

LTV. Three letters. Zero explanation. If you’ve been mortgage-hunting for more than five minutes, you’ve seen this term everywhere and

Okay, be honest. You want to buy your first home, and you’re already lost. How much can you borrow? What’s

Right, the big question.How much can you actually borrow?You’ve probably heard the rumour. “Lenders will offer 4 times your income.

Let’s talk money. Specifically, the number that keeps first-time buyers up at night.The deposit.You’ve seen the ads. “Buy with just

Okay, decision time.Do you buy now with 5% deposit? Or continue saving for 10%?Both are on the table for first-time