Here are my home loan advices to you:
Home loan advice no 1.
Buy a home only if on the long run it’s value will increase. If it’s old, in bad shape, you have bad neighbors, try to not take the loan
Home loan advice no 2
Be very carefull of the banks conditions. If the bank asks you for several commisions, if the bank has hidden conditions, if you want to repay in advance the credit and they charge you more for this, etc.
Home loan advice no 3
Beware of your further ability to make money. If you will not make a lot of money in the future, getting a huge loan now it will not be a sound decision
Home loan advice no 4
Always negociate. Even banks have some fixed products, there is room for negociations. After all, they are humans. And humans are changeble. Anyway, you want loose anything.
Home loan advice no 5
Don’t trust very much loan brokers. Because they are interested in selling you the best product for them, not for you. Do you really think that they will present you the product that will bring them the lowest commision? Common. Especially for mortgages, where the values are very high.