I am a first time buyer with a deposit of £15K. I earn £34K. I am looking to get a mortgage of 3.4 times my salary (£115,600) but I am wondering how much I’ll have to repay each month. I’d ideally like to buy a property for around 130K. Should I really save some more so I can afford this or will the repayments be manageable? This is my first time so I’m pretty clueless here!