Last edited by a moderator: 12 Mar 2019 Hi, looking for advice on how best to plan for house purchase in 2021. 1 full time civil servant - 2021 salary = 55668 if I stay at current grade. Prospect of further promotion this year to 66495 starting so near 70000 in 2021. 3000 net income currently 1 stay at home parent and no prospect of returning to work anytime before 2022 as youngest child won't be of school going age by then. Choice to stay at home is one sacrifice we are happy to make for our family even if it slows down our house purchase. Current property - 2 bed apartment bought under affordable housing scheme - Apartment valued at 219000 and our equity will be at least 60000 once clawback paid. We have a tracker rate of 1.15% with UB Savings- 24500 currently with intention to have 50000 cash by 2021. Saving at least 600 per month currently with CU. Credit card - 100 owed No other loans Are we on tracker for a mortgage of 340000 or if not how do we get there? Thanks!