Crosswords1 min ago
First Time Buyer Advice
Hi everyone I would just like some advice from those of you who have been through this mill already!
My other half and I are looking to buy our first place together and our budget is going to be about £170,000 with £20,000 to put towards it also.
I'm always suspisious when people try to sell me things and when I've been ringing these estate agents all of them are pushing their mortgage advisers at me, all of which I have said a big NO THANK YOU to and am planning to do my own research into brokers etc (hence why i'm asking the real people who have been through it!)
I'm expecting that the buying costs will roughly amount to £1000-£1400 depending on what we go for but a 'dummies guide to buying a house' bit of info would be good if any of you would like to share!
Thanks in advance!
My other half and I are looking to buy our first place together and our budget is going to be about £170,000 with £20,000 to put towards it also.
I'm always suspisious when people try to sell me things and when I've been ringing these estate agents all of them are pushing their mortgage advisers at me, all of which I have said a big NO THANK YOU to and am planning to do my own research into brokers etc (hence why i'm asking the real people who have been through it!)
I'm expecting that the buying costs will roughly amount to £1000-£1400 depending on what we go for but a 'dummies guide to buying a house' bit of info would be good if any of you would like to share!
Thanks in advance!
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a Broker generally charges a fixed fee, a Financial adviser will get a payment from the company you go with (they are required to tell you how much etc), both will have access to deals not available from the in house estate agents financial person, they usually are limited to associated products of their employer. find a product (financial deal) you like get a 'mortgage in principle', then you don't have to go thru all your finance with every agent you go to... you have proved you are in a position to put in an offer.
you pay stamp on the purchase, but check (your solicitor will do this) for any deals for 1st time buyers. We have bought and sold about 10 properties in the last 30 years.
you pay stamp on the purchase, but check (your solicitor will do this) for any deals for 1st time buyers. We have bought and sold about 10 properties in the last 30 years.
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