First of all, from experience I wouldn’t go abroad. It’s a big op and you need good aftercare nearby in case something goes wrong. Secondly you can haggle for a better price. And finally, Zopa online are a loan company that do the best rates. When I considered getting a loan, I looked at them and the rate was under 9% – with a deposit of about 400 pounds my monthly payments would have been about 60 quid over 5 years. Do you think you could comfortably afford that? If unsure, save up first… you don’t want the stress of being skint and having loans – I know, have been there. And many people would say, don’t buy it until you got the money!!! Good luck xx