{"id":2110,"date":"2025-05-10T07:00:00","date_gmt":"2025-05-10T07:00:00","guid":{"rendered":"http:\/\/www.mugfoundry.com\/?p=2110"},"modified":"2025-05-13T13:11:43","modified_gmt":"2025-05-13T13:11:43","slug":"what-i-own-i-got-on-the-property-ladder-at-38-with-my-180000-rotherham-flat","status":"publish","type":"post","link":"http:\/\/www.mugfoundry.com\/index.php\/2025\/05\/10\/what-i-own-i-got-on-the-property-ladder-at-38-with-my-180000-rotherham-flat\/","title":{"rendered":"What I Own: I got on the property ladder at 38 with my \u00a3180,000 Rotherham flat"},"content":{"rendered":"
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\n\t\t\"What\t<\/div>
This week, we\u2019re in Rotherham visiting 38-year-old nurse Swapna (Picture: Paul David Drabble)<\/figcaption><\/figure>\n

Welcome back to\u00a0<\/strong>What I Own<\/a>\u00a0\u2013\u00a0Metro\u2019s property series where we speak to homeowners<\/a> about\u00a0getting on the ladder.<\/a><\/strong><\/p>\n

This week, we\u2019re in Rotherham in South Yorkshire<\/a>, visiting 38-year-old nurse Swapna Narayanan Maniyatan.<\/p>\n

Originally from India, Swapna took on extra shifts at work<\/a> to save for the deposit on her \u00a3180,000 two-bedroom flat. She finally picked up the keys in November 2024.<\/p>\n

Nurturing a homely space for her and her son, she\u2019s proud of everything she\u2019s managed to achieve as a solo earner.<\/p>\n

Here\u2019s what she had to say about her property journey\u2026<\/p>\n

Tell us about yourself!<\/strong><\/h3>\n
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\n\t\t\t\tReady to start your homebuying journey?\t\t\t<\/h2>\n
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Mortgage service provided by London & Country Mortgages (L&C), which is authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.<\/em><\/p>\n<\/p><\/div>\n<\/p><\/div>\n

My name is Swapna, and I\u2019m a 38-year-old nurse originally from India. I\u2019ve been working in the UK as a Sister in Charge at the Rotherham NHS Foundation Trust for the past four years.<\/p>\n

I really enjoy my life here, and I\u2019m very proud of what I\u2019ve achieved on my own.<\/p>\n

<\/a>Whereabouts is your property? What do you think of the area?<\/strong><\/h3>\n

I recently purchased a property by the housing developer Keepmoat, in Rotherham.<\/p>\n

It\u2019s very near to where I work, in a neighbourhood that is safe, calm, friendly and beautiful \u2013 there\u2019s lots of green space, perfect for walking and spending time in nature.<\/p>\n

The area is also super convenient for work \u2013 particularly later shifts as it\u2019s a quick and safe walk to the hospital.<\/p>\n

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\n\t\t\"Swapna\t<\/div>
Swapna bought her two-bedroom home for \u00a3180,000 (Picture: Paul David Drabble)<\/figcaption><\/figure>\n

<\/a>When did you move in?<\/strong><\/h3>\n

I moved into my home in November 2024 with my son.<\/p>\n

<\/a>How much does your property cost?<\/strong><\/h3>\n

I bought my two-bedroom apartment for \u00a3180,000.<\/p>\n

<\/a>How much was your deposit?<\/strong><\/h3>\n

As I was a first-time buyer, I was able to unlock a 5% deposit, which was just over \u00a39,000.<\/p>\n

<\/a>What is the monthly cost of living here now, both mortgage and bills?<\/strong><\/h3>\n

My monthly expenses and bills include:<\/p>\n