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How much is your mortage?
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I am looking to buy my first property in the next couple of months just not sure what I can afford on £1800 a month.
I will be looking for a new build (less maintainenance costs) with hopefully a few grand 5k to spend |
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"I am looking to buy my first property in the next couple of months just not sure what I can afford on £1800 a month.
I will be looking for a new build (less maintainenance costs) with hopefully a few grand 5k to spend"
If you go to a mortgage advisor they will tell you what you can afford. |
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"Best advice anyone can give you is to see an independent mortgage adviser, who will be able to give you guidance on all those factors.
I wonder how much the fee might be"
Mine cost me £400, but only after I’d completed on my house. |
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"I am looking to buy my first property in the next couple of months just not sure what I can afford on £1800 a month.
I will be looking for a new build (less maintainenance costs) with hopefully a few grand 5k to spend"
Loads of ways to look at budgeting.
Outside of home deposit we like the 50/30/20 method of budgeting - google it
The mortgage repayment sits within the 50 (% of take home salary) along with other needs. Council tax, heat, light, basic food.
Check it out |
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"Best advice anyone can give you is to see an independent mortgage adviser, who will be able to give you guidance on all those factors.
I wonder how much the fee might be"
Only one way to find out! And it's not asking a bunch of strangers from all over the UK (and the rest of the world). Go to unbiased.com to get some advisers and ring round. |
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"Best advice anyone can give you is to see an independent mortgage adviser, who will be able to give you guidance on all those factors.
I wonder how much the fee might be"
.
Mine was free, they got paid by the commission on the mortgage I took up. |
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By (user no longer on site) 38 weeks ago
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"I can't imagine many are going to entertain answering these questions. Why do you ask OP.
You may look at our bumholes and watch us boing, but some questions are just too personal   "
I agree with you twice here…. Your right it’s too personal and I did check out your booty  |
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"Best advice anyone can give you is to see an independent mortgage adviser, who will be able to give you guidance on all those factors.
I wonder how much the fee might be"
Usually not much compared to the work you would need to do yourself. |
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"I can't imagine many are going to entertain answering these questions. Why do you ask OP.
You may look at our bumholes and watch us boing, but some questions are just too personal "
How much is your bum hole?  |
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"Best advice anyone can give you is to see an independent mortgage adviser, who will be able to give you guidance on all those factors.
I wonder how much the fee might be"
Some will charge their fee to the lender, as long as you use their services to complete the mortgage. If you go elsewhere after the initial advice they may well charge you for their time.
You can get a broad idea of what you can lend using either bank sites or sites like money saving expert to compare mortgages and rates. |
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"I am looking to buy my first property in the next couple of months just not sure what I can afford on £1800 a month.
I will be looking for a new build (less maintainenance costs) with hopefully a few grand 5k to spend
Loads of ways to look at budgeting.
Outside of home deposit we like the 50/30/20 method of budgeting - google it
The mortgage repayment sits within the 50 (% of take home salary) along with other needs. Council tax, heat, light, basic food.
Check it out"
Cheers thank you i have looked at a budget calculator and priced bills etc looks like I could potentially have 400 left over for spends. Then a couple of extra money makers on the side hopefully |
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"Best advice anyone can give you is to see an independent mortgage adviser, who will be able to give you guidance on all those factors.
I wonder how much the fee might be
Mine cost me £400, but only after I’d completed on my house."
Thank you |
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"I am looking to buy my first property in the next couple of months just not sure what I can afford on £1800 a month.
I will be looking for a new build (less maintainenance costs) with hopefully a few grand 5k to spend
Loads of ways to look at budgeting.
Outside of home deposit we like the 50/30/20 method of budgeting - google it
The mortgage repayment sits within the 50 (% of take home salary) along with other needs. Council tax, heat, light, basic food.
Check it out
Cheers thank you i have looked at a budget calculator and priced bills etc looks like I could potentially have 400 left over for spends. Then a couple of extra money makers on the side hopefully"
Unfortunately it doesn't matter what you think you can afford, rather what the bank is willing to lend you.
The advice above to speak to an independent mortgage advisor is the best advice in my experience |
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By (user no longer on site) 38 weeks ago
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"I am looking to buy my first property in the next couple of months just not sure what I can afford on £1800 a month.
I will be looking for a new build (less maintainenance costs) with hopefully a few grand 5k to spend"
Find yourself a mortgage adviser.. They have to declare if they are getting a kickback - but they do have access to good deals and they are constantly getting new offers... They will explain how their fees are added
It doesn't help you knowing what someone else's deal is, as its such a unique situation
Personally I chose to bump up my monthly payments by £400 so i can finish paying it off whilst i have a great deal. I would encourage you to try to pay off an extra £1-2k per year if you can save say £100 per month |
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My residence is passed down through the generations so I don’t have a mortgage. We open the house from June to August for a bit of extra income and host a Christmas market in early December.
My agent manages the bills.
I’m probably not much help OP, sorry! |
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"My residence is passed down through the generations so I don’t have a mortgage. We open the house from June to August for a bit of extra income and host a Christmas market in early December.
My agent manages the bills.
I’m probably not much help OP, sorry!"
Do you need a cook?  Not professional though |
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"My residence is passed down through the generations so I don’t have a mortgage. We open the house from June to August for a bit of extra income and host a Christmas market in early December.
My agent manages the bills.
I’m probably not much help OP, sorry!
Do you need a cook? Not professional though "
What’s your signature dish MB?
And can you pluck a pheasant?! |
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"My residence is passed down through the generations so I don’t have a mortgage. We open the house from June to August for a bit of extra income and host a Christmas market in early December.
My agent manages the bills.
I’m probably not much help OP, sorry!
Do you need a cook? Not professional though
What’s your signature dish MB?
And can you pluck a pheasant?!"
I plucked chickens so should be similar i like lots of different stuff. Do you like fish as I enjoy doing various fish dishes and a mean bouillabaisse soup. If not then how about a poachers pie (with the plucked pheasant) |
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"My residence is passed down through the generations so I don’t have a mortgage. We open the house from June to August for a bit of extra income and host a Christmas market in early December.
My agent manages the bills.
I’m probably not much help OP, sorry!
Do you need a cook? Not professional though
What’s your signature dish MB?
And can you pluck a pheasant?!
I plucked chickens so should be similar i like lots of different stuff. Do you like fish as I enjoy doing various fish dishes and a mean bouillabaisse soup. If not then how about a poachers pie (with the plucked pheasant) "
Don't sell yourself short. He makes a mean cocktail and olives to compliment  |
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"My residence is passed down through the generations so I don’t have a mortgage. We open the house from June to August for a bit of extra income and host a Christmas market in early December.
My agent manages the bills.
I’m probably not much help OP, sorry!
Do you need a cook? Not professional though
What’s your signature dish MB?
And can you pluck a pheasant?!
I plucked chickens so should be similar i like lots of different stuff. Do you like fish as I enjoy doing various fish dishes and a mean bouillabaisse soup. If not then how about a poachers pie (with the plucked pheasant) "
Sounds fabulous!! |
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"My residence is passed down through the generations so I don’t have a mortgage. We open the house from June to August for a bit of extra income and host a Christmas market in early December.
My agent manages the bills.
I’m probably not much help OP, sorry!
Do you need a cook? Not professional though
What’s your signature dish MB?
And can you pluck a pheasant?!
I plucked chickens so should be similar i like lots of different stuff. Do you like fish as I enjoy doing various fish dishes and a mean bouillabaisse soup. If not then how about a poachers pie (with the plucked pheasant)
Don't sell yourself short. He makes a mean cocktail and olives to compliment "
Sounds like the start of a party.
But I mustn’t derail the thread. Sorry OP |
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"My residence is passed down through the generations so I don’t have a mortgage. We open the house from June to August for a bit of extra income and host a Christmas market in early December.
My agent manages the bills.
I’m probably not much help OP, sorry!
Do you need a cook? Not professional though
What’s your signature dish MB?
And can you pluck a pheasant?!
I plucked chickens so should be similar i like lots of different stuff. Do you like fish as I enjoy doing various fish dishes and a mean bouillabaisse soup. If not then how about a poachers pie (with the plucked pheasant)
Sounds fabulous!!"
Have I got the position? |
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