While it is still possible to buy a property without a deposit, most property purchases require a deposit of between 10 and 20%. This amount of money allows you to obtain a better rate for your loan and to lower your monthly payments.

Tip 1: Put money into a savings account each month

Whether it's £50 or £500 a month, schedule an automatic monthly transfer to a savings account, depending on your means. Have you received a bonus or spent less than expected this month? Make it a habit to make your savings grow as soon as you can! Ask your bank and its competitors for the best rate.

Tip 2: Optimise your subscriptions

Mobile phone, internet box, Netflix, Spotify, Cloud, gym... Every month, hundreds of euros are deducted from your account: do the math! To reduce these expenses, we advise you to :

• Watch for offers. More and more services are being combined (your mobile package that includes Spotify, Canal+ and Disney+ packages, etc.), and many offer very attractive private sales.
• Be clear about your needs. Do you really need that gym membership you haven't been to in months? Do you need a 3000 channel package when all you watch is Netflix? Are you really using the 75GB of your mobile package?

Tip 3: Call on your friends and family

Your family and friends can help you boost your savings: every donation or loan brings you closer to your goal! For loans, we advise you to agree on the expected repayment dates and to sign an IOU.

Tip number 4: Go for upcycling!

The trend is towards responsible consumption and upcycling, take advantage of it! Many platforms allow individuals to sell clothes and objects in good condition that they no longer use. Spend a weekend sorting through your stuff and save space while increasing your savings. You should also check out these platforms when you need to buy something, as there are some great deals to be had!

Tip number 5: Track your expenses

Through applications or an Excel file, do your accounts each month. Divide your expenses into sections to identify areas where you can make savings:

• Fixed costs (rent, subscriptions, etc.)
• Food shopping
• Leisure (shopping, restaurants, non-food shopping...)
• Travel (train, plane, hotels, Airbnb...)

Tip number 6: Get your money back

Keep a file with all your important papers and be diligent: letters to the NSC, tax returnFight your administrative phobia and spend an hour a month to get everything in order; it's worth it!

Once you have made your contribution, make an appointment with one of our brokers to get the best rate for your property purchase. You now have all the cards in hand to buy the property of your dreams!