Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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They dont look at all your outgoings 9they certainly don't need proof of them), they will check your credit status and may need a guarantor.
Ignore tomtom he just don't want you and louise to move in together  although it is alot to spend on rent (I paid £7k of someones mortgage in a year)
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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You know what wage i'm on tom  , louise is on a similar wage. It's a lot to pay, but it's also comfortable living when it would be going 'halfs'. Also give us a chance to buy furniture etc etc ready for a house.
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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If your looking at £500ish p/m then you will need to have around £1k(maybe teeny bit more depending on how much you eat ) between you to include shopping, rates, utilities, internet etc
Which is do-able if louise gets a similarly paid job in wales (?) and you don't both pay out most of your wages on other things already
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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I'd say more than £1k, probably touching on 1200 between two.
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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Suppose I depends on you live, there are lots of variables like council tax, utilities costs etc and food.
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Kathryn W
Member
Registered: 12th Oct 03
Location: Widnes, Cheshire
User status: Offline
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My mortgage isn't going to be much more than the price of the first one.
First one is much nicer though
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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renting is dead money every month, Id be saving up to buy TBH
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Charlene
Member
Registered: 29th Sep 04
Location: Darlington
User status: Offline
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Is the rented house from a person, or a company?
We rent off a company, they did credit check on both of us, if you have any CCJ or anything you just need to tell them about it, it dont really effect your chances just best to tell them as if they check and it comes back you didnt tell them, then you probably wouldnt get accepted then they got a reference from both of our employers
But because we were under 25 and the house was being rented from a company, we needs a guantor, so had to get my mam credit checked and a reference from her work
Ours took a month to get us in, thats a long time but they took ages to tell us we needed a guantor
our rent comes out of my boyfriends account, but the estate agents never give us the standing order to set up so make sure you ask about it, as it fucked up our first payment :@ We pay 525 a month, usually they work out if you can afford this by working out if you earn 3x the rent between you both
I still think renting is dead money but it has give us chance to get all the furniture together etc
I
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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at the mo i dont think renting is bad....
imo house prices will drop and if we buy a house now it will lose value 
so we are waiting for a year or 2....
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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that rent is same as my mortgage mate, can you not look at buying instead?
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