Simon's Story
The interest rate was low and fixed rate mortgages mean you can budget easily. Buying is always a better use of money, so the decision was easy. I bought in the area I wanted to, and the place is going to be where I live for a little while.
Simon's thoughts
Do any improvements as soon as you move in. It's simpler, causes less disruption later and you don't get used to how things are.
I'd have more savings behind me before moving again. Not only does a bigger deposit mean the mortgage is smaller, but you have more choice of mortgages, usually.
