Two key words in the last sentence were 'fixed rate'. You should choose a mortgage type that will guarantee no increase in the monthly repayments. This is a fixed rate mortgage.

Another key point was 'one that you can easily afford'. It is tempting to choose the best castle that you can afford, but what if one of you looses their job? Choose a little cottage that you can keep in a crisis, it will still increase in price at the same rate as the castle.

Finally get yourself a discerning real estate agent who will filter through the undesirable homes and inform you immediately when a bargain shows up. Then you must jump - with your financing already pre-arranged (your realtor can also guide you in this) you could be moving into your first home!

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