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Welcome back to What I Own – Metro’s property series where we speak to homeowners about getting on the ladder.
This week, we’re in Rotherham in South Yorkshire, visiting 38-year-old nurse Swapna Narayanan Maniyatan.
Originally from India, Swapna took on extra shifts at work to save for the deposit on her £180,000 two-bedroom flat. She finally picked up the keys in November 2024.
Nurturing a homely space for her and her son, she’s proud of everything she’s managed to achieve as a solo earner.
Here’s what she had to say about her property journey…
Tell us about yourself!
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My name is Swapna, and I’m a 38-year-old nurse originally from India. I’ve been working in the UK as a Sister in Charge at the Rotherham NHS Foundation Trust for the past four years.
I really enjoy my life here, and I’m very proud of what I’ve achieved on my own.
Whereabouts is your property? What do you think of the area?
I recently purchased a property by the housing developer Keepmoat, in Rotherham.
It’s very near to where I work, in a neighbourhood that is safe, calm, friendly and beautiful – there’s lots of green space, perfect for walking and spending time in nature.
The area is also super convenient for work – particularly later shifts as it’s a quick and safe walk to the hospital.
When did you move in?
I moved into my home in November 2024 with my son.
How much does your property cost?
I bought my two-bedroom apartment for £180,000.
How much was your deposit?
As I was a first-time buyer, I was able to unlock a 5% deposit, which was just over £9,000.
What is the monthly cost of living here now, both mortgage and bills?
My monthly expenses and bills include:
Mortgage: £1,011 Council Tax: £130 Gas & Electricity: £96.53 Water: £45.This brings my monthly outgoings for the property to £1,282.53.
How did you save up for your deposit?
Saving for my home wasn’t easy, but it was incredibly rewarding. To save for the £9,900 deposit, I took on extra shifts alongside my normal work schedule, often without much rest.
It was exhausting, but the hard work paid off, and it was well worth it.
I also cut down on spending, including going out to see friends and family, and travelling.
What was the process of getting a mortgage like for you? Did you find any parts challenging?
The mortgage process itself was smooth and easy – the Keepmoat team and mortgage advisors were very supportive and efficient.
Can you share details on your mortgage (rate/term)?
My mortgage is over 27 years, with an interest rate of 6.5% and a 5% deposit.
Where did you live before this – were you renting or living with family?
Before buying this apartment, I first lived in hospital accommodation and most recently in a one-bed rented flat.
What made you want to buy rather than rent?
The thought that instead of renting, I could be paying a mortgage and have my own space, was a strong motivation.
I feel more stable and secure owning my own flat and being able to create a permanent home for my son.
How did you find this property? What made you choose it?
A friend of mine, who bought a detached four-bedroom house with Keepmoat, recommended the property to me. It’s within walking distance of my workplace, which was a major factor.
On top of that, the area is calm, safe, and friendly and most importantly, it fit within my budget.
How have you made the property feel like home? What’s the inspiration for your interior decor style?
The apartment was completely empty when I moved in, so I had to start from scratch to make it feel like home. I chose all the decor, adding an Indian touch with lots of greenery inside the house.
That’s what made the space feel warm, familiar, and personal.
What’s your favourite room and why?
My living room is my favourite. It’s cosy yet spacious and it has a dedicated prayer area, which is very important, and brings me peace and comfort every day.
Do you feel like you have enough space?
Yes, I definitely feel I have enough space for both myself and my son to live comfortably.
Do you have plans to change the property?
No, I don’t have any plans to change the property at the moment.
Are there any problems with the property that you have to deal with?
So far, there have been no issues, I love living here.
What do you want people to know about buying a home?
I want to reassure others, especially single earners like me, who have to manage family responsibilities while also paying bills on their own, that it is possible.
It may feel impossible in the beginning, but with determination and effort, it’s all worth it. If I can do it, then you can too!
What are your plans for the future, in terms of housing? Do you plan to stay here long-term?
I plan to stay in my Keepmoat home for the long term. The location, comfort, and sense of home I’ve built here make it the perfect place for me and my son.
Shall we take a look around?
What's your home like?
This year Metro is partnering with the Ufurnish.com Home Awards to bring readers the best in UK property.
From jaw-dropping before-and-after renovations to effortlessly stylish spaces on a budget and rental DIY masterpieces, the awards recognise outstanding talent across 20 categories covering interiors, gardens, furniture innovation and home accessories.
As part of our partnership, Metro’s Property channel will be full of inspiring homes, fly-on-the-wall property pictures and tips and tricks from those in the know.
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