RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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What have people paid in terms of searches, solicitors fees and surveys etc plus any other associated costs?
Just trying to roughly sort out what we can afford; supposedly have a telephone mortgage interview at 6.30 so should be more clued up then; however would liek an idea first! 
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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Mine were about 2k all together, you can also choose to add the mortgage arrangement fee on to your mortgage if they charge one
TBH - that was pretty much it for me, Searches were £150, Fees were £600, Survery was done by Richies dad, then i had to shell out for other things that i totally can't remember now 
Deposit if you are paying one, and ££ to actually move if you have a shit load of stuff. We moved mine in Richies dads van, and our cars ohhh the fun
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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2 mortgage offers - both can offer us £40 000 over what we need on very reasonable repayments (less than £700)
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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what type/rate/who with?
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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Norhtern Rock and Britannia; both offering over £150,000 just talking types/rates with Brittania (although she indicates approx £675 at this stage.
Northern Rock was a 1.5 year fixed rate mortgage again at £675;
both are borrowing £115000 as opposed to the house value of £124,950
[Edited on 27-02-2007 by LiVe LeE]
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Melville
Member
Registered: 4th Jun 03
Location: Newcastle upon Tyne
User status: Offline
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Do you know that will only be interest only?
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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not interest only at all - its capital+Interest
were borrowing less than 3 times our income
[Edited on 04-03-2007 by LiVe LeE]
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Mad Moe
Member
Registered: 14th Jun 01
Location: Northumberland
User status: Offline
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Was going to say I have a interrest only buy to let mortgage with Northern Rock at the moment for around a 100K and it's only 396/Month.
Been looking at various mortgage deals at the moment and Northern Rock really do take some beating
[Edited on 05-03-2007 by Mad Moe]
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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would niot bother with interest only as you have to prove a saving scheme so you could pay the balance off at the end
Stamp duty needs to be taken into account if the house is above 125k
Chancel Report is the biggest new thing to hit solicitors - need to chedck this out and the current owner must pay the policy to cover the house if the report comes back as true
The sellers of the house I just bought were forced to pay it otherwise my sloicitor advised I would pull out of the deal
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