How much can you afford to spend on buying your home

Firstly note that what you can afford is NOT THE SAME as how much you can borrow.

The experts say limit repayments to no more than 40 per cent of what you earn.

In other words if you earn £1,000 a month after tax don't get a mortgage costing more than £400 a month, and so on.

The point is you may be able to get a mortgage which stretches your budget to the limit but leaves you in trouble when you have to pay the other costs involved in buying your home

Besides your other outgoings you have to consider the rainy day (for example when interest rates go up and your monthly mortgage repayments might rise steeply...)

Read enough? Just want a quote? To get your best mortgage quote quickly and easily we can put you in contact with a recommended mortgage adviser. It's free, completely confidential and there's no obligation at all. Simply fill out the form below

Read On / Mortgage Guide

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Important note about your credit rating

Many websites don't make it clear that filling in their mortgage enquiry form means you might be credit checked.

This can put you at risk.

UK Mortgage lenders may assume an enquiry you have aleady made to another lender means you were turned down - and not that you are in fact carefully shopping around and rejecting the bad deals.

The best way around this significant problem is to ask an independent mortgage adviser to make anonymous enquiries for you.

Without risking your credit score an adviser can find you the best available mortgage deal. They will also know how likely you are to be accepted by the lender if you decide to make a formal application.

If you would like a recommended adviser to check out the best deals for you, anonymously, simply fill in the quick form below.

" Hmm..." You might think; "Won't I be hounded by a salesman hungry for my business? "

This is the most common question we hear from our users.

The answer is no you won't.

Firstly your enquiry is only passed to ONE person on a carefully vetted list of independent advisers.

Secondly, these mortgage advisers are professionals. Even when the market is slow they are busy people. There many people who need to move homes, or get a remortgage and are looking for advice all the time. Regardless of the state of the property market, life goes on.

So the advisers don't have time to hassle people. It just doesn't work like that. No one is gong to be forced into taking out a mortgage unless they really need one.

The advisers are very used to talking with people, perhaps like yourself, who are only "dipping their toes" into the water.

Many people just want an initial quick chat and if they feel comfortable will ask the advisor to contact them again later - often in several weeks or months. As a professional, the adviser will simply diarise this and call back at the appropriate time. There is no obligation at all.

(In the unlikely event that you ever feel at all "hassled" by someone on our list please let us know immediately. We have never heard of this. But if it happened we would definitely want to know).

We tell you everything you need to win the race for that dream home... how to get your seller's Estate Agent onto your side... how to get properties for a 30% plus discount.. how avoid being gazumped at the last minute and more.

Click on your chosen subject below to access this invaluable FREE information.

•	The Deposit...
•	Conveyancing Costs...
•	Stamp Duty...
•	The Valuation and Survey Costs...
•	Mortgage Lender's Application Fee ...
•	Furnishing, Re decorating etc ...
•	Moving in / Removal

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Sorry ! The amount you want to borrow is less than £25,000. This is the minimum allowed for a mortgage. But don't worry ! You could get the money via a personal loan. I want a free no obligation loan quote Click OK No thanks. I will change my borrow amount to more than £25,000 Click Cancel
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Home Buying Guide
Click for Full Contents

How to Find Your New Home / Property
Click for Full Contents

What can you afford when buying your home?

Read On / Mortgage Guide

Read On

Important note about your credit rating

Guide to researching your chosen area

Click here to see your Latest Best Buy Mortgages

Read more of the Home Buyers Guide

Read about How to get a Mortgage

I've read enough for now and want to get a free Quick Mortgage Quote

Home Buying GuideClick for Full Contents

How to Find Your New Home / Property Click for Full Contents

What can you afford when buying your home?

Read On / Mortgage Guide

Read On

Important note about your credit rating

Guide to researching your chosen area Click here to see your Latest Best Buy Mortgages Read more of the Home Buyers Guide Read about How to get a Mortgage I've read enough for now and want to get a free Quick Mortgage Quote

Home Buying Guide
Click for Full Contents

How to Find Your New Home / Property
Click for Full Contents

Guide to researching your chosen area

Click here to see your Latest Best Buy Mortgages

Read more of the Home Buyers Guide

Read about How to get a Mortgage

I've read enough for now and want to get a free Quick Mortgage Quote