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AFFORDABILITY While it’s nice to dream big, you’ll have to be realistic. Use the Moneyhelper’s mortgage affordability calculator* to find out how much you may be able to borrow, based on your income and living expenses.

OTHER COSTS When saving for a home, remember there are other costs to factor in, such as moving costs, stamp duty and legal fees.

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 your bank account is in good shape.