Get started

So, you want to buy a house...

Property prices are at an all time high and people across the country are struggling to get on the housing ladder. It's time for us to get super savvy.

Get started

It all starts with a deposit

If you're the kind of person with big ambitions for your savings but find yourself dipping in to them come the end of the month, it's time to get serious and make the pennies count.

Believe it or not, there are products out there that can help. Take Help to Buy ISAs; for first time buyers, not only will you benefit from higher interest rates from your bank than with a normal savings account, but for every £200 you save, the government will contribute £50 when you're ready to buy your home.

Saving takes discipline and you don't have to do it alone, or at least not in the dark. Setting the target for what you want to buy is up to you, but we're here to guide you on your journey towards becoming a home owner, one step at a time.

Getting smart about what you can afford

Mortgage lenders used to base the amount you could borrow on a multiple of your income known as the loan-to-income ratio and would consider things like your credit report and occupation.

Since 2014, lenders have also had to consider how much you can actually afford to pay back each month without getting into financial hardship. They do this by considering your income, and then deducting various personal and living expenses.

If this all sounds a little complicated then fret not. Start by building a really solid understanding of your financial abilities and commitments. Money Dashboard can help you take a look at your typical spending habits so you can feel confident in understanding what you could actually afford to pay on a mortgage. For more advice on mortgages why not check out the Money Advice Service who offer free and impartial advice on all things money.

Ewan is achieving his goals

3 easy steps towards buying your dream home

Create your free account

Sign up to our free app on mobile or web and see all your accounts, spending and income in one place

See the bigger picture

We’ll pull in everything and automatically sort your transactions into helpful categories to show you where your money really goes

Achieve your goals

With your sights firmly set and us by your side, you'll make your way along the path to financial success