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for charlotte hart well from nottingham the deposit has been an impossible barrier, even though she is on a decent salary. if i want to buy a house i ve got to spend nothing from my salary for a year in orderjust to buy a house in my local area, and that s not going to happen, it isn t practical. it does feel impossible. skipton is charging 5.49% for these mortgages over a five year fixed term, that s higher than average. and repayments can t be more than your rent. so if you are currently paying £1000 a month you will be limited to borrowing £186,000. what really, really important for anybody that s looking to enter into a massive financial contract which, let s be clear, a mortgage is that exactly, that it s really, really responsibly done, so what we are wanting to do here is make sure this is absolutely affordable and the right choice at the right decision for the borrower and for the lender. skipton admits this new mortgage won t help everyone. but it could offer a glimmer of ho

Isn t practicalCharlotte hart145 49Let s be clearCulture liverpoolBbc newsMusic eventMortgage won tBen king