the prices of houses are set to keep going up and up,,,,but in saying that and dont take this the wrong way but what is you rent
you might be better off setting upa isa and save a load of cash for a few years rather than get a morgage and have no money as the prices of houses are fucking high right now !!!!
reason i say this is housing assoiation rent is usually about 280 quid a month and a morgage your gonna be looking at 900 a month,,, ok the money will go up but id rather have money to enjoy my life and set up a future for my little girl than have a 900 quid a month bill and not be able to do anything UNTIL i downgrade and pay tax on it OR die and let my little one pay 40% in tax on the amount shes got for the property
but then im a poor person on a low income and aint got a pot to piss in so maybe i aint the best person to advise