Realistically how much can your first house be?

Thanks for this info. Are you on a joint income? If so how much is that? Thanks!

I'm a student, my other half works in a bank doing credit risk. He earns 22k or so (He's a recent graduate) and we have about 10k in savings to go towards a deposit. Hopethat helps.

We & my home owner peers have budgets £180-425,000.

Depends where & what you're buying - the lower end is South but outside of London commuting & the within London ranges from Zone 3 to 4 & from 2 bed flats to 4 bedroom houses.

& also on personal circumstances e.g. luck with £££s amassed for deposits or high salaries & (relatively) stable jobs.

And you are lucky puppies as students being able to buy £400K houses.

And you are 17? I can't remember all of the rules banks have, are 17-year olds taken into account on mortgage applications and can they even co-sign a mortgage? I had a feeling it was 18 but maybe it's 16?

£22K income isn't much even with £10K savings - what area of the country are you looking in? Assuming a 10% deposit (some lenders are doing that) and a 3.5 multiple (maybe you might get more some places) and if that's your only income, you can't buy anything more than, say, £90K and there aren't many properties as cheap as that anywhere in the British Isles.

I'm nearly 21, what made you think I was 17? I have done my research and we've actually found a lovely, nicely presented house for 100k. I live in the North which is considerably cheaper than for example London. There are a LOT of houses for less than 100k if you look hard enough, I've found plenty, I just didn't want them. There was another we looked at for 85K on a nice little cul de sac (just outside the city centre too so not miles out). 22k with 4x mortgage, and there are the nice little perks for working at the bank too, like something like 2% interest not 4.3 or whatever it is. I'm not dealing with the finance, and I'm pretty sure it was 5% deposit. Are you deliberately trying to rain on my parade? :P