Before Christmas I had a letter from my mortgage brokers advising me that the guy who has sorted me out four times over the last six years when most companies wouldn’t be interested had left ‘to pursue his career elsewhere in the finance industry’. Pretty funny wording, you have to admit. I figured that there can’t be that many Ian Smith’s in finance and in Lowestoft, and a quick google through him up at the top of the pile. I sent him an email, and this morning he phoned me, glad that I had tracked him down and more than happy to discuss my plans. And now Emma and I have a ball-park figure of what size and value of house we can afford – which is scarily a lot.

And you know what, after quickly trawling rightmove there’s quite a bit out there without going to the maximum.