Housing costs are more than the loan
Interest is visible, but fees, running costs, amortisation, title deed costs and mortgage deeds all pull from the same household account.
Start at the bank account, not the listing
Set the monthly limit before comparing homes. Not the bank maximum, but the level where groceries, transport, children, insurance and savings still fit.
Similar homes can carry different risk
A cheaper flat with a high fee can be heavier than a pricier one with stable costs. Compare monthly pressure, not just the asking price.
Moving in eats cash
Down payment gets attention, but title deed fees, mortgage deeds, overlap costs and moving expenses often arrive together.
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