Taking out a loan to spend money on a hobbyist is stupid. Still, if you can't afford to save this money, then it probably isn't worth buying the same horse yet. In my opinion, the only justified household loan is a mortgage. Let's be honest, it's problematic to save money on your own here. And paying rent is sometimes more expensive than paying for a mortgage. Therefore, I have issued a mortgage. I turned to the company that a colleague of Mortgage Advice Essex advised me and they helped me prepare and issue the necessary documents.