Once I've got my finances straight I'd like to think about getting my own place, but what sort of money am I looking at to have under my belt before I can begin thinking?
Is it right that the UK mortgage market still requires a 20% deposit? Most places round here are round the 100k mark so getting 20k might be a little challenging (I've been advised to take a separate loan for the deposit, but that sounds messy)
What about fees etc? Stamp duty? I've done some of the online calculators, putting in 21k as my annual salary before tax, estimates to give me a mortgage of 50k, whats that gonna get...a caravan?
Can anyone give me some good advice? There must be hundreds of people in my situation...