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First time buyer looking for advice!
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The loan is a car loan which i have never defaulted on and the credit card is 0% for another 12 months. I have taken into consideration costs such as solicitors fees and have cash set aside for those. I have just went through the nationwide affordability calculator and answered all questions truthfully and it said it would be able to lend us more than the amount we require.
I have worked out our monthly disposable cash on the basis of receiving one of the better 90% mortgage rates and took into consideration monthly outgoings at the moment, mortgage, council tax and projected bills. Our disposable income at the end of this would be around £1200 a month.0
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