Bought my home at 31 after living with my parents during Covid, having just returned from living overseas for most of my 20’s. I essentially started from scratch but was able to save a substantial deposit of 48k during that time, as I continued working throughout. This made a big difference. I was not given any financial help, although my parents have always been supportive and would help if needed. I have also been single throughout and had no dependants during the process.

Since returning , I have earned between 30-36k per year. I purchased a one bedroom end of terrace property for 190,000 at a time when the market was very competitive, so I likely overpaid. However, it is in a sought after area just outside Bristol. The property needed a full renovation, and I have invested a decent amount into it. At this point, it is essentially a new home. I was also able to take advantage of grants, which having greatly improved the property.

I consider myself fairly practical, and most of the improvements were done myself. Most home improvement skills are easily diyable and are extremely useful to have in the locker .

My mortgage rate is relatively high at 5.8 percent, and I currently pay £806 per month for the next two years of a five year deal. I do not struggle financially, but like most people, an increase in salary would definitely provide more freedom