Academy
Training Session · Beginner+40 Mortgage Fitness Unlocks: Budget Builder badge

Budget Like a Homeowner

Owning a first home usually costs more than the mortgage payment. In the next ten minutes we'll walk every real cost together, then build your live monthly plan — no surprises after you move in.

Step 1 of 7 · Warm-up

Warm-up

Most people budget for buying a house…

…but forget to budget for living in one.

Owning your first home usually costs more than your monthly mortgage payment. This training session walks every regular cost so there are no surprises after you move in — and by the end you'll have a personalised budget you can save and refine as you go.

What you'll leave with

  • A clear picture of the real cost of homeownership.
  • Your live monthly plan and Mortgage Living Score.
  • The Budget Builder badge and +40 Mortgage Fitness.

Company details: Getting Your Mortgage Ltd. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. ICO registration: ZC177396.

Regulatory status: GYM provides Mortgage Fitness guidance only and is not itself authorised by the Financial Conduct Authority to give regulated mortgage advice. Any regulated mortgage advice is provided by FCA-authorised advisers we introduce you to, after a full fact-find. The Mortgage Fitness Score is for guidance only and is not a mortgage offer, decision in principle or guarantee of approval.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Think carefully before securing other debts against your home. Buy-to-let mortgages and some forms of commercial or overseas lending are not regulated by the Financial Conduct Authority.

© 2026 Getting Your Mortgage Ltd. All rights reserved.

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Budget Like a Homeowner · 10 min · +40 XP