First And Last

The first mortgage I took out was almost 10 years ago with Northern Rock. I had just bought my first flat in Surbiton - the perfect commuter town.

The flat was in a 1970s-style building with lots of space and a pleasant 20-minute walk to Kingston upon Thames along the river and 15 minutes to Waterloo on the train. As a first property it was ideal for my needs.

But marriage and children soon followed and as my family expanded we moved to a large extended semi-detached house in Ashtead, Surrey.

With a new mortgage with Northern Rock in 2006, the house is perfect for us and has a huge garden for the kids. It’s close to the M25 and a train station to Waterloo.

There is also a 500-acre wood at the back of the property – great for escaping from city life.