I'm a mature student and haven't been working for that last four years. I'll be starting work again in July and want to buy a property as soon as possible. I have a 20% deposit and will be in a secure job with no debts. Can anyone suggest how long I should wait before thinking about a mortgage? I've been working on the assumption that 12 months will get me the best rates, but would I be able to get one sooner without paying a premium for it?
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