Buying a house 101: the pros and cons of choosing a 5% deposit mortgage

We ended up opting for a 5% deposit to secure our mortgage. It was essential for us to get on the property ladder. We saved £12,000 in order to buy a £240,000 two-bedroom 1950's terraced house in Essex. Keep in mind not all banks or building societies offer this so it really does depend on if you'll be eligible. This was the perfect scenario for us at the time and I don't regret it one bit. As with all things there are pros and cons with it. Here are just a few pearls of my wisdom of what I found out. I really hope this new house buying series is helpful!

Pros
You can get on the property ladder a lot quicker as you don't have to save as much. At the time we bought, the house prices were going up so quickly that we could barely keep up. If we had stuck it out to save a 10% deposit there was a chance we would have been priced out. We just knew we had to take the plunge while we could.

By saving less for a house deposit, you have more of a chance to save extra to spend on doing the house up. Our house look quite a while to go through so we had four months between having our offer accepted and getting the keys. In those four months we were able to save some money to help with the renovations.

There are quite a few Government Help to Buy Schemes to choose from so there is great variety to find one that works for you. Some are only suitable for new homes. Sometimes we all need a little helping hand!

Cons
Your mortgage repayments will be higher each month as you are borrowing more so you need to really think about how this will effect you. Buying a house is a massive financial strain and it can be very hard to adjust. I still think you need enough money to be able to venture out  for a social life a few times each month.

The main Government's Help To Buy scheme only applies to new builds. Which is great if you're after a new build! But we wanted to avoid a brand new house. My dad and boyfriend both work in the construction trade and were adamant an older house is always best.

You can only use certain lenders as not all banks and building societies offer the opportunities. This can quite limited who you use.

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Exploring Ireland: Glenariff Forest Park, Ballymena, County Antrim, Northern Ireland

I feel like I've explored a lot of Northern Ireland, especially the stretch between Belfast and Derry but Glenariff had slipped under the radar. Based in the north of Country Antrim, the glens are a series of nine narrow valleys. Glenariff is 'the queen of the Glens' and the most famous. Most people head to Glenariff to do the Waterfall Walkway. And this is why you should add to the top of your list if you visit Northern Ireland.

The three-mile waterfall walkway first opened up 80 years ago. I am relatively unfit so did struggle a fair bit and had to take a few breathers every once in a while. Make sure you wear suitable clothing and shoes. It's not the place for a fashion show! But it is so rewarding and you soon forget you're out of breath when you're greeted with such stunning views. I will never tire of seeing a waterfall up close. There's just something so magical about seeing them as the mist floats up and the sound of crashing water fills your ears. You can tell how misty it was by the photos! I almost feel like I'm in a completely different land.

Glenariff offers a casual cafe, an outside picnic area and a more fancy restaurant as well as pretty clean inside toilets. A god send during a waterfall trek with all that gushing water! You could spend the whole day there without getting bored, with lots of trails to be explored. I'd recommend the short Rainbow Trail too. Parking is a fiver but make sure you have change on you as I'm not sure the machines take card.

The caravan and camping site is open from Easter to October. Definitely something I'd like to take advantage of!

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A bank holiday weekend in Ireland

Ever since I was a little girl I've had a fascination with Ireland. I couldn't tell you why as I have zero Irish heritage and I don't even think my parents have ever stepped foot on the Emerald Isle. I once declared to my mum that I was going to have an Irish husband. I don't know how the obsessession started but I just knew it was going to be a country that I would love before I even had a chance to visit. I totally didn't only start talking to my boyfriend when I realised his very Irish name is due to the fact his dad is Irish... Now thanks to his Irish heritage I've been across the water quite a few times now and it really is one of my happy places. A place where I can never grow tired of visiting.  As soon as I see those rolling green hills I feel all my troubles just melt away.

My friend Hannah is also Northern Irish and her parents have a holiday home along the Causeway Coast. They very kindly let us gatecrash for the bank holiday weekend. And it was glorious! Along with Sarah and Michelle, we based ourselves just outside Bushmills for a weekend of exploring the Causeway Coast which has to be one of the most beautiful coastlines in the world.

I'm going to go into more details on my favourites parts in other posts so this is just an overview. We crammed a hell of a lot into a weekend! So where did we visit? No trip to this part of the world is complete without witnessing the wonder of the Giant's Causeway. It really is stunning. We saw lots of castle ruins, Kinbane Castle, Carrickfergus Castle and Dunluce castle spring to mind. We spent the afternoon in Belfast eating burgers and exploring the Botanic Gardens and seeing the Game of thrones tapestry at the Ulster Museum. We stopped for a delicious red velvet slab of cake at Ballintoy Harbour and had a tasty ice cream in Ballycastle. We went on a pretty special hike in Glenariff Forest Park to see some amazing waterfalls. And we made sure we stuffed ourselves silly on Taytos. If you don't know what they are then you are missing out!

I had such an incredible weekend away with some of the best girls I know. It's so nice to spend a weekend with people on the same wavelength as me - and are just as little piggies as me! Surround yourself with girls who see cake stops as vital stops on a road trip. I'm actually back in Belfast again in two weeks to see Biffy Clyro so I'll see you soon Ireland!

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