Okay, be honest.You want to buy your first home. And you’re already lost.How much can you borrow? What’s a deposit actually for? What’s this “Mortgage

Right, the big question.How much mortgage can you actually get?You’ve probably heard the rumour. “Lenders just do salary times four.” Or four-and-a-half.Nice idea. Not true.Your

Let’s talk money. Specifically, the number that keeps first-time buyers up at night.The deposit.You’ve seen the ads. “Buy with just 5% down!” Sounds great. But

Okay, decision time.Do you buy now with 5% down? Or grind it out and save for 10%?Both are on the table for first-time buyers. But

LTV. Three letters. Zero explanation.If you’ve been mortgage-hunting for more than five minutes, you’ve seen this termeverywhere and understood none of it.Good news: it’s actually