Buying a house shouldn’t be a headache, it should be an exciting time as you make plans to move into your new home. Many people struggle to understand the financial implications of borrowing such a large amount of money and simply don't understand the banking terms and conditions which surround mortgages. It can be a confusing time - who will lend you the cash? How much interest should you pay? How many years will it take to pay off the capital amount? What happens if you fall behind with payments? The list of questions is endless.