Hi Graham
If I were you I would start with a simple balsa model – either working or static. Initially, you need to build up skills…
You also need to build up a tool kit. This can be quite basic to begin with but normal 'household' tools eg screw drivers, pliers, Stanley knife, hand-drill etc will take you a long way. You will also need some glues and adhesives eg 2-pack epoxy, superglue, PVA (aliphatic if possible).
Find out first if the hobby is for you ! You will learn important lessons on your first boat. Then, if you want to continue, spend some money on specialist tools, go to a few model shows and, maybe join a club (highly recommended for the help you'll receive)…
Happy modelling,
Dave