Don’t guess how much you can afford to spend on a property. Speak to a financial advisor or a mortgage company and ask for an assessment and a letter that states how much you are entitled to borrow. This will save lots of hassle later on.
Planning your budget and setting yourself on a path that gives you room for manoeuvre is an important part of your home moving process. Unless you are lucky enough not to need a mortgage, you really need to sit down with someone close to you and put some sort of structure to your finances. Not a pleasant task – but well worth it!