Suggest you try the Money Saving Expert forums.

What are your criteria for 'need' of a new car?

From your later question, keeping the old one seems to be an option. From a financial point of view, that is almost certain to be cheaper even if it needs repairs. It will also preserve your house deposit and leave you with a higher disposable income to put on the mortgage application.

House first, car next. The former is a more serious and bigger purchase.

If you already own a car it is bordering stupidity to change it before house

Edited by JimmyV on 10/01/2018 at 00:55

House should be the priority. Bangernomics may be a short term solution!

I was in a similar position

I think it depends on your financial situation. For me, the cost of the finance repayment did relatively little to my mortgage position as I am maxxed on LTV % and therefore my income could get more of a mortgage maximum than I could get a deposit together for, or indeed need.

I suggest you get an idea of how much you want to spend on a house, what LTV rates are available to you and what this means on your annual income. It may be the case that you need say, £15k deposit, and its a 10% LTV rate and your income even with a £200 PCP will be fine and would support a £150k house - I would play around with the loan repayment section on things like natwest mortgage calculator to see how it affects you.