for costs, a bit of advice is take your monthly mortgage payment and double it.

Put that away every month and it will cover your bills, not including personal bills like car insurance, tax petrol etc etc.

Works for me and my mates.

Get a financial adviser, they will give you the low down on the different deals and types of mortgages.

Also, make sure the new builds aren't going to have cheap flats all round them, could turn into a shit whole in a few years.

and if poss, buy of plan, usually cheaper at the start of a development.