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You’ve scrimped and saved and diligently set aside every last penny to buy your first home and then, in one fell swoop, there goes all the money on the fees and deposit just as you’re about to get to the fun bit. Here’s an essential step-by-step guide to making your new home your own without overspending.

You might think the cost of moving home starts and finishes with a deposit and stamp duty, but think again. The true cost of moving includes a host of add-ons that you are going to need to pay for upfront. Many are taken by surprise by buying costs, especially when faced with forking out for additional “hidden costs” that can add up to £1,000.

If you’re the sort of person who enjoys watching shows like Homes Under the Hammer and thinks “I could do that!” then you’ve probably considered becoming a landlord at some stage. But being a landlord is a tough business, and despite what some people may think, it’s not a licence to print money.

Mortgage rates have risen for a third successive month, as lenders suffer jitters about the future of the property market. Since the government introduced the stamp duty holiday in July, the housing market has enjoyed an upturn, with more sales being agreed and house prices rising.

The announcement of a second national coronavirus lockdown has left the housing market largely untouched. Prime Minister Boris Johnson gave a press conference in which he announced measures in England aimed at restricting the spread of Covid-19 akin to those put in place in March.