What are payday loans? Essentially, they’re short-term, high-interest loans typically designed to bridge the gap between pay cheques. They are often sought by people facing unexpected expenses or temporary financial difficulties. While payday loans can provide immediate relief, their impact on your financial profile can be significant, especially when it comes to securing a mortgage.

Most people you ask will be able to recall in vivid detail the first time they viewed their first home and I am certainly no exception. I still get that same feeling I felt standing there picturing it with my own décor applied, trying to look past the peeling wallpaper and stained carpets.

Saving for a house deposit can be a mighty and daunting task, especially for first-time buyers in the UK, but if you can find a way to save that inspires you (like my colleague’s method) you may find you start to enjoy the process . Here are some of my top tips to help you save for a house deposit: