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There are many types of mortgage available now and they are often easy to get. You should do some research into where you want your mortgage from and how much you want to borrow before making an offer on a house. There are lots of mortgages available at three times your salary. There are also some available at four times your salary, but if you do borrow this much, remember that you are not likely to have much money left at the end of each month, and remember that interest rates may go up. It is best to save as much as possible to use as a deposit, as this will reduce the amount you need to borrow, and hence the cost of the mortgage. Always be totally honest when applying for a mortgage. A mortgage is a long term contract, and you dont want anything coming back to haunt you 15 or 20 years down the line.

Durham lies at the heart of the City of Durham, a district of County Durham, in North East England. It is the county town of County Durham.

It is well-known for its Norman Cathedral and Castle, and is home to Durham University. HM Prison Durham is also located close to the city centre

Durham is situated 13 miles to the south west of Sunderland, England. The River Wear flows north through the city, making an incised meander which encloses the centre on three sides to create Durham's "peninsula". Durham is a hilly city. The cathedral dominates the skyline. The steep riverbanks are densely wooded, adding to the picturesque beauty of the city. West of the city centre, another river, the River Browney, drains south to join the Wear to the south of the city.

Durham won the Large Town award in the Britain in Bloom awards of 2005.

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