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n AFFORDABILITY While it’s nice to dream big, it’s worth checking what you can afford. Use the Moneyhelper’s mortgage affordability calculator* to find out how much you may be able to borrow, based on your income and monthly living expenses.

n OTHER COSTS When saving for your first home, remember there are other costs to consider, such as removals, stamp duty and legal fees.

n CHECK YOUR SPENDING Lenders look at what you spend your money on as well as your credit score when deciding how much to lend to you. So make sure that your bank account is in good shape.

n Follow Kalpana on Instagram @Kalpanafitz