Organise your finances

There’s more to buying your first property than saving up for the deposit...or getting a donation from the BoMaD (Bank of Mum and Dad).

You must show lenders you can afford to repay the loan every month. They check every detail of your financial record to be sure you can.

At least six months of sensible spending (aka not having to count the pennies the week before pay day) will help.

We’re not saying cut out the avocado on toast completely, but maybe start making it yourself.

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