Although Property International will help you find a home to suit your budget, buying a home comes with several expenses you might not have considered.

These include:

• Mortgage arrangement fee. In some cases this is non-refundable, even if the house purchase falls through.
• Valuation fee. The cost varies according to lender and purchase price.
• Legal fees. Many lenders will contribute to legal fees, although in that case you would have to use a solicitor approved by them.
• Stamp duty. If the property you are buying costs more than £125,000 and you're likely to have to pay a percentage of its price to the taxman.
• Surveys. Many people pay for surveys on purchases that fall through, so make sure you have enough for two or three.
• Removal costs. Shifting your family's worldly goods long distances can be quite expensive, so take that into account.
• House repairs. From flaky paintwork to leaky sinks, put aside some cash for unexpected property maintenance.
• Furniture and extras. This is especially important if you’re currently renting a pre-furnished place.