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Well Jon and Jen – you came to the right place – I’m sure we can help – Nationwide is one of the last Building Societies – we are owned by our customers so we don’t have to pay profits to shareholders – so we can give you the best deal.

Now lets look at the figures.

If  you are looking for a mortgage we normally lend about 3 times the annual earnings of the main wage earner plus what the other earner earns in one year.

As you are young you could borrow over 25 years – which reduces what you pay back each month.

We can lend if you both have steady reliable incomes but it is important that you do not borrow too much – otherwise you’ll struggle – your mortgage payment shouldn’t be more than about one third of your monthly earnings.

Our best rate is about 5% interest at the moment.

You need to put in a deposit – at least 10% of the house price – and we can give you a good deal if you could increase your deposit to say 25%.

Times are hard in this ‘credit crunch’.

You could rent instead or maybe live at home and save more – that might be cheaper.

Pleasure doing business with you Bye

- ah send in  tea and a couple of jam dodgers please Miss Winkle