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"...what would you do differently with hindsight?"
Start hoarding bank statements and proactively obtain any in the last 12 months that you happen to be missing.
Open a 'Help to Buy ISA' - That was a free £1k for our deposit right there from 5 months of saving.
pifko-
oooh good point. need to get that open for this tax year.
all my bank statements are paperless so I should be able to start downloading them now in readyness. disclaimer: I work for a bank but its one that isnt helpful with regard to mortgages that dont have 25% or more deposit so I will have to look elsewhere probably.
jaitch
So I am at a starting point, I have cleared all debt, have about £5k deposit already that I can add about £700 to each month if i rein in a bit of silly luxury spending in order to up my deposit. I want to buy (not London, Kent) does anyone have any advice or tips for doing so?
I want to get my foot on the ladder so am not adverse to starter homes, part buy part rent, flats, a bit of doer-uppers etc. point is I need to get on the ladder and stop paying rent.
or "what did you all do at this point and what would you do differently with hindsight?"