I appreciate there are problems for 1st time buyers at the moment, but when I bought my first house, interest rates were 11% ! Only way i could do it was to take out a low start endowment and buy a flat with a mate, we bought all our furniture SH and the rest from car boots.
Trouble is now that the Sky package and large telly etc seem to be an essential not a luxury, along with other shiny goods
I am turning into a grumpy old git yes 🙂