With house prices falling for the fourth month in a row, a specialist mortgage expert has shared his top tips if you're looking to get on the ladder this year.
While interest rates rocketed during autumn, sending mortgage payments through the roof for many the price of property is getting steadily lower.
The average price of a home in the UK is now £262,068, with the figure lower still in Liverpool, at £208,370. In the wider Merseyside area, the average is £174,167.
