We saved up £13k deposit by selling our cars and old junk for £255k first home

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'We saved up £13k deposit by selling our cars and old junk to buy £255k first home'

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They are both basic rate taxpayers.

We saw the house pop up on Rightmove at the start 2020, and went for a viewing in February a month later, putting an offer in straight away.The house cost £255,000 in total, and we took out a 35-year mortgage of £242,250 on a fixed rate for two years at 2%. Almost straight away, mortgage lenders started to pull 95% loan-to-value mortgages because the property market came to a standstill.

The biggest amount of money I made was by changing my energy supplier through the website - I got £165 in cash back just by swapping.I stopped getting my nails, hair and eyelashes done as much, and we massively cut down on going for meals and drinks out.Before, we shopped at Morrisons and were spending £60 a week on food.Because our deposit was so low, it allowed us to save more money for doing up our home.

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