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For many of us, knowing what our monthly bills are going to be provides a comforting level of security and while many costs vary month-on-month – such as gas and electricity – having a set mortgage repayment is achievable.

Sometimes it’s good to look to the future to see how property transactions may evolve and one exciting area is paying for deposits – and perhaps entire houses – using cryptocurrency.

If you’re a first-time buyer considering your inaugural property purchase in 2021, there are positive prospects ahead. Here are some of the initiatives and forthcoming ideas that may make it a little easier to get a foot on the housing ladder.