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Enter the world of mortgages with Sarah Grace, a seasoned pro with 27 years of experience specializing in helping dentists navigate the intricacies of securing a mortgage. Brace yourselves as she schools us on the importance of getting in touch with a mortgage advisor at the right time, and spills the beans on the key role that deposits play in the mortgage game. Sarah also gives us a low-down on what kind of monthly payments to expect, based on your budget of choice.

As we continue our chat with Sarah, we step into the current mortgage landscape. We explore the relatively unchanged cost of funds over the past year and the weight of the deposit in determining the mortgage rate. Catch a glimpse of the housing trends with Sarah as she highlights the ongoing exodus from London and ponders on the possible after-effects of the soon-to-end stamp duty holiday. And for our first-time buyers, Sarah has a trove of tips and reminders, the most important being that property investment is for the long haul. So, buckle up for this enlightening journey through the world of mortgages and investments!