What I Own: Teacher Carl, who put down a £4,500 deposit on his Hertfordshire flat with shared ownership

If you're new to the site, each week we take you inside the house of a different homeowner. Carl, who moved into his Hertfordshire flat last year, is this week's guest.

As a single-income household, he was a first-time buyer who employed shared ownership to climb on the housing ladder.

I'm 32 years old and work as a teacher in a social, emotional, and mental health school in Stevenage, Hertfordshire.

My home is in Hertfordshire, roughly a half-hour drive from London. I enjoy the neighborhood since it is peaceful and pleasant.

The transportation system is excellent, there is rarely any traffic, and most of my friends had relocated out of London, so I am now closer to the majority of them.

I was able to save more than half of my monthly income thanks to lockdown. It was simple to save because I couldn't go out for practically six months.

I had established a goal for myself to acquire a home by 2021 and had never considered renting. I needed a place to call my own.

I reviewed the'share to buy' website on a regular basis, and this was a new-build development with a reasonable deposit and projected monthly payments that could be met on a single income.