Should you choose a fixed or variable rate mortgage? Should you choose an endowment or Pep mortgage or simple repayment? How can you save money on insurance? How can you get out of negative equity? This guide answers these questions and more in simple, jargon-free terms with clear examples to guide home-buyers whether first-timers or those buying for the second or third time through the jungle of competing mortgage, insurance and investment offers. Buying a home involves the biggest financial decision most people are ever likely to make. This book should help you make the decision which might literally transform the rest of your financial life.