Any mortgage experts?

[ShetlandPonyMacaroni]

I have been recommended a financial advisor but feel a bit clueless and I don't want to look silly

I have saved up £12k. I earn 30k a year. I have been playing with online calculators and I think I would be able to get a mortgage of around 100-110k. This would be as much as I could comfortably afford. This means my budget is 110-120.

Does that sound right/ sensible?

Do you have any dependants or other loans, etc?

I have a car on PCP which is £150 a month, 1 dependent. No childcare fees (hallelujah!).

Sounds about right. I have 2 dependants and childcare costs, larger deposit, similar salary and took 106k

Depends on your outgoings but a number of friends have been offered up to 4.5 times their salary recently.

Sounds plausible.

I had a 12k deposit, bought a 117k property with 2 dependents, salary of 24k, 5% interest 35 years.

Thanks. I definitely don't want to take on too much.

I've been keeping an eye on local flats and they seem to be advertised at offers over 115, with home reports suggesting 125.

This is hands-down the most stressful thing I've ever done. I'll be grey by the end of it.

The financial advisor will be happy to explain everything to you - lots of people dont understand mortgages so dont worry and good luck.