vibrio
Banned
Registered: 28th Feb 01
Location: POAH
User status: Offline
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quote:
Originally posted by Ben
How many of you have them ? And how old were you when you got one? 27
Been thinking about getting my foot on the ladder but need to look into it deeper.
how do you go about getting one? go see an adviser. we went to countrywide but checked out a few other places as well.
do you find a house then go ask for one or the other way around. you can get an agreement in principle before you choose to buy if you want. we made an offer then got the mortgage
might sound like a stupid question but i could do with finding out the basics first. go see an advisor they will explain everything or use google or get me on MSN
ta
your welcome
[Edited on 19-04-2005 by vibrio]
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vibrio
Banned
Registered: 28th Feb 01
Location: POAH
User status: Offline
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quote:
Originally posted by Kerry
quote:
Originally posted by pauls corsa
if u live with someone 5 years there alloyed the same as if u were married
actually its called commonlaw and its 6 months
2 years in scotland but technically that just covers certain things. they could not get your car off you. their name has to be on the mortgage in order to get half the profit.
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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quote:
Originally posted by Colin
quote:
Originally posted by mav
all lawyers/agents fees can be put on the mortgage..best way for 1st timers..
surveys i got done were about £80
wht £400 to apply colin??????
Didnt get the option to add it on
£145 for survey
£399 mortgage fees.....payable on application!!
should get option for all that to go on top of it....
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vibrio
Banned
Registered: 28th Feb 01
Location: POAH
User status: Offline
|
quote:
Originally posted by mav
quote:
Originally posted by Colin
quote:
Originally posted by mav
all lawyers/agents fees can be put on the mortgage..best way for 1st timers..
surveys i got done were about £80
wht £400 to apply colin??????
Didnt get the option to add it on
£145 for survey
£399 mortgage fees.....payable on application!!
should get option for all that to go on top of it....
depends if it was lawyer fees - shoul dnot have to pay to arrange a mortgage
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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quote:
Originally posted by Ian
You don't need life insurance, I don't have any but then if I die the flat would be empty anyway so can be sold. Probably wise if I had a dependents in there but as I don't, I opted not to have it.
They also offered me critical illness cover if I'm unable to work, which I declined, and redundancy cover which I also don't want.
To give you an idea of fees since signing for this flat I've spent
£500 to put my name down on the plot.
£200 search fee paid to soliciter
£445 acceptance fee on the mortgage
£275 survey
There will also be more soliciters fees for the time signing and money transfers etc. and never mind I've not bought anything, its not even built until July.
Got my stamp duty to look forward to - a mere £1510  
[Edited on 19-04-2005 by Ian]
I thought you had moved in with your gf
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Mark Petty
Member
Registered: 26th Jul 01
Location: Bournemouth Drives: Suzuki gsf600
User status: Offline
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I got a mortgage when I was 22 it does cost a lot but well worth it.
The worst is the deposit I put down about 6%
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