Single person wanting first home

dimbo61

Right first thing to do is open a help to buy ISA and put the £1200 max in the first month and £200 each month after that.
Halifax and Santander did pay 4% BUT they have cut the rates so maybe Nationwide as they allow you to have 2 ISA,s
Next keep a record of what you spend each month and see how you can save.
You have No stamp duty to pay if property is under £125,000
£10,000 would give you a £10% deposit on a £100K property. 90% LTV and better rates than a 95% mortgage.
If you can save £15,000 you get much better deals so Save Save Save.
House prices are much cheaper in the North East and not increasing like they were/are in the south.
Take your time and take Mum house hunting at properties you like in the area.
Check rightmove and consider a "whole of market mortgage broker " to find you the best deal for YOU.
You can get cheap life insurance online.