i certainly will prove u wrong, despite what u mite think i'm actually really good with money and if my dream home hadn't came up i defo wouldn't be looking to borrow more money!!! and no it is not a mortgage its the deposit for a private rent cottage, which by the way is £900 not in the thousands which i fear u are thinking. I have looked well into it and i no exactly what the interest is after 9 months......... that is why (if i get it) i shall be paying it off well before the 9 months is up and cutting the thing up coz then it has served its purpose and i'm happy!! i really believe that if u can't afford it then you can't have it, there is no point in putting it on the plastic just to worry when the statment comes through the door!

The way everything is right now i have no interest in buying a house like i said i'm only 21 so don't plan on being tied to a mortgage for the next 20 years!

Thanks for your advice.