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Author Mortgage...houses...etc...
Macca_G
Member
Registered: 15th Jan 03
Location: Stockport, Manchester
User status: Offline
27th Apr 03 at 21:10   View User's Profile U2U Member Reply With Quote
Who has got a mortgage and house what are you paying monthly? How much was the house? I am looking into it you see and need help! anyone got any advise etc...
vibrio
Banned
Registered: 28th Feb 01
Location: POAH
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27th Apr 03 at 21:16   View User's Profile U2U Member Reply With Quote


335 for the morgage, thats a fixed rate 57K, we pay 50 a month for insurance which covers noth me and lynne for death, illness and unemployment. then there is the 28 a month house insurance.

I would go to the mortgage advice people and go to at least 2 other advisers. buying a house in England is different from Scotland but the mortgages are the same.
Macca_G
Member
Registered: 15th Jan 03
Location: Stockport, Manchester
User status: Offline
27th Apr 03 at 21:19   View User's Profile U2U Member Reply With Quote
£57K would get you feck all where I live! Whats the house like? is it big? Thats pretty cool, I think I'm moving into Scotland!
Colin
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Registered: 4th Apr 02
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27th Apr 03 at 21:20   View User's Profile U2U Member Reply With Quote
Im thinking of doing this aswell, maybe not untill next year tho. Might mean selling the car but I dont really use it. Works a 5min walk and usually pished most weekends so dont use it then
Colin
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Registered: 4th Apr 02
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27th Apr 03 at 21:21   View User's Profile U2U Member Reply With Quote
£57k would get you a full street in some parts of scotland
Kerry
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Registered: 5th Oct 01
Location: Norwich
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27th Apr 03 at 21:23   View User's Profile U2U Member Reply With Quote
i have a mortgage for 57k its 360 a month and that includes my house insurance and life insurance. mines fixed for another year. sometimes i wish it was variable kus rates are quite good at min but then the advantage is it doesnt go up either. get an indendant adviser.
vibrio
Banned
Registered: 28th Feb 01
Location: POAH
User status: Offline
27th Apr 03 at 21:35   View User's Profile U2U Member Reply With Quote




someone
Member
Registered: 13th Aug 02
Location: Surrey
User status: Offline
27th Apr 03 at 21:42   View User's Profile U2U Member Reply With Quote
I know some bloke that paid 100k for a small bedsit near me
vibrio
Banned
Registered: 28th Feb 01
Location: POAH
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27th Apr 03 at 21:43   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Macca_G
£57K would get you feck all where I live! Whats the house like? is it big? Thats pretty cool, I think I'm moving into Scotland!



it's actually 60K we had a 5% deposit. I advise you gettign a 3% deposit at least
corsa_sport_white
Member
Registered: 9th Dec 02
User status: Offline
27th Apr 03 at 22:19   View User's Profile U2U Member Reply With Quote
decent lil house, shame bout the cars outside
JayC
Member
Registered: 17th Jan 03
Location: Whitefield, Greater Manchester
User status: Offline
27th Apr 03 at 22:29   View User's Profile U2U Member Reply With Quote
Our morgage was 56K but the house was 59,995, was up for more but thats wot we offered so we didn't have to pay stampduty. We pay bout £350 but all of our bills come to bout £800. The house is a 2 bedroom barretts house.
vibrio
Banned
Registered: 28th Feb 01
Location: POAH
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27th Apr 03 at 22:47   View User's Profile U2U Member Reply With Quote
yes we did not pay stamp duty. if your house is over 60K you need to pay 1% tax
Macca_G
Member
Registered: 15th Jan 03
Location: Stockport, Manchester
User status: Offline
27th Apr 03 at 22:59   View User's Profile U2U Member Reply With Quote
nice house that, have ben looking at around £89,000 with 5% deposit. You can get cheap houses round here they just aren't on very good streets...so i'm trying to compromise (£100K nice street too expensive) (£50/60K horrible area V.affordable) going to go for 80-90K in a decent area.......just affordable!!
Gower
Member
Registered: 18th Mar 01
Location: So close.....yet so far
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28th Apr 03 at 08:22   View User's Profile U2U Member Reply With Quote
In my area you pay 100k for a 1 bedroom flat!!!
Sam
Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline
28th Apr 03 at 08:36   View User's Profile U2U Member Reply With Quote
What part of Scotland do you live in vibrio?
vibrio
Banned
Registered: 28th Feb 01
Location: POAH
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28th Apr 03 at 09:12   View User's Profile U2U Member Reply With Quote
Darnely, south of the river clyde, couple of miles from paisley and glasgow
Sam
Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline
28th Apr 03 at 09:32   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by vibrio
Darnely, south of the river clyde, couple of miles from paisley and glasgow


Ahh right. Is that a nice area?

 
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