'First Time Buyers' Tag

First time to buy in the current climate [first time buyers] [vital statistics]

Q:Hi, I and my significant other are first time buyers <eek>. Some vital statistics:

-We have a deposit at the moment of £35k.
-The kind of property we are looking at is in London and is in the region of £280-£300k, so 11-12% deposit.
-Our combined income is currently £60k

One point though, I am currently working on a contract in Malaysia until November 2009. After November 2009 we will go away on a nice long holid

posted in mortgage by admin

    • First Time Buyers – AdviceFirst Time”,[5],1,0,826,0,2,0],["Buyers",[6],1,0,994,2,3,0],["- Advice",[7],1,0,509,3,5,0]],[["First Time",5,[["First Time",826,1,0]],[[0,10]],”First Time kopers – Advies”],["kopers",6,[["Buyers",994,1,0],["purchasers",0,1,0],["buyer",0,1,0],["customers",0,1,0]],[[11,17]],”"],["-- Advies",7,[["- Advice",509,1,0],["- Consulting",9,1,0],["- Opinion",7,1,0],["- Advisory",5,1,0],["- Note",3,1,0]],[[18,26]],”"]],,,[["en [first time buyers] [time summer]

    Q:Hi All,

    Me and my girlfriend are currently saving to move out. I have listed our situation below and just after some general advice and do you think we will be on track to at least have a chnace of getting a mortage next year…..

    - We have a combined income of about ￡40000 per year (this does not include bonus etc), and I do expect this to increase by at leats ￡5000 by next year.

    - We are looking to move out in about a years time (Summer 09). We will have a

    posted in mortgage by admin

    • Advice for first time buyers , every word of wisdom appreciated ! 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wisdom",740,1,0]],[[33,42]],”"],["appreciated",83,[["appreciated",995,1,0]],[[43,54]],”"],["!"],["",84,[["!"],["",987,1,0]],[[54,60]],”"],["for",85,[["for",987,1,0],["drupal",0,1,0]],[[60,63]],”"],["first time",86,[["first time",474,1,0]],[[64,74]],”"],[""",87,[[""",285,1,1]],[[74,75]],”"],[", 5 ,",88,[[", 5",97,0,0]],[[75,78]],”"],["[",89,[["[",114,1,1]],[[78,79]],”"],["[",90,[["[",157,0,1]],[[79,80]],”"],["" voor",91,[["" for",45,0,0]],[[80,85]],”"],["de eerste keer "",92,[["the first time "",80,1,1]],[[86,101]],”"],[,",581,0,0]],[[101,102]],”"],["587,1,0",94,[["587,1,0",704,1,0]],[[102,109]],”"],["]“,95,[["]“,527,0,0]],[[109,110]],”"],[,",463,0,0]],[[110,111]],”"],["[",97,[["[",620,1,1]],[[111,112]],”"],["" voor het eerst",98,[["" first",506,0,0]],[[112,127]],”"],[""",99,[[""",725,1,1]],[[127,128]],”"],[,",505,0,0]],[[128,129]],”"],["0,1",101,[["0.1",451,1,0]],[[129,132]],”"],[,",542,0,0]],[[132,133]],”"],["0",104,[["0",793,1,0]],[[0,1]],”0],["voor het eerste",0,1,0],["voor beginnende",0,1,0],["voor eerste"],["]“,105,[["]“,585,0,0]],[[1,2]],”"],[,",549,0,0]],[[2,3]],”"],["[",107,[["[",447,1,1]],[[3,4]],”"],[""",108,[[""",502,1,1]],[[4,5]],”"],["voor het",109,[["the",517,0,0],["for the",38,0,0],["before the",10,0,0],["for",5,0,0],["to the",0,0,0]],[[5,13]],”"],["eerste",110,[["first",414,1,0],["the first",2,1,0]],[[14,20]],”"],[""",111,[[""",423,0,0]],[[20,21]],”"],[,",712,0,0]],[[21,22]],”"],["0,1,0",113,[["0,1,0",978,1,0]],[[22,27]],”"],["]“,114,[["]“,746,0,0]],[[27,28]],”"],[,",582,0,0]],[[28,29]],”"],["[",116,[["[",485,1,1]],[[29,30]],”"],[""",117,[[""",463,1,1]],[[30,31]],”"],["voor beginnende",118,[["for beginners",430,0,0],["for beginner",5,0,0],["for beginning",2,0,0],["for starting",0,0,0],["for novice",0,0,0]],[[31,46]],”"],[""",119,[[""",801,0,0]],[[46,47]],”"],[,",801,0,0]],[[47,48]],”"],["0,1,0",121,[["0,1,0",983,1,0]],[[48,53]],”"],["]“,122,[["]“,757,0,0]],[[53,54]],”"],[,",576,0,0]],[[54,55]],”"],["[",124,[["[",545,1,1]],[[55,56]],”"],["" voor",125,[[""for",332,1,0]],[[56,61]],”"],["eerste",126,[["the first",475,1,0],["first",177,1,0]],[[62,68]],”"],["kopers",230,[["buyers",764,1,0],["purchasers",28,1,0],["buyer",0,1,0],["customers",0,1,0]],[[0,6]],”kopers”,0,1,0]],[[22,28]],”"],["-",7,[["],[""",231,[[""",435,1,1]],[[6,7]],”"],[,",575,0,0]],[[7,8]],”"],["0,1,0",233,[["0,1,0",651,1,0]],[[8,13]],”"],["]],[[",234,[["]],[[",576,1,0]],[[13,18]],”"],["22,28",235,[["22.28",469,1,0]],[[18,23]],”"],["]],”"],["-]],”"],["-7",237,[["7",346,1,0],["July",0,1,0],["seven",0,1,0],["in Jul.",0,1,0],["Jul.",0,1,0]],[[35,36]],”"],[ [first time buyers] [words of wisdom]

    Q:Hi all!

    Brief summary of my situation…

    Currently live with DS (4) in a very small two-bed end terrace, renting. Just found out am pregnant, and planning to move in with OH, and have been talking about buying a three-bed.

    OH is keen to buy asap. I would be but am not sure if it a wise move at the mo. We don't have any savings for a deposit but I have worked out that based on the budget we made the other night, in 12 months we could save around ￡5000. We

    posted in mortgage by admin

    • Avoiding Real Estate [first time buyers] [agent advice]

    Q:Hi, my girlfriend and I are first time buyers and have seen a property we want.

    I am registered with the estate agents who arranged a viewing with the buyer but my girlfriend is not.

    I have not signed anything with the agent nor have I been verbally told any terms and conditions of their service.

    Can I contact the seller directly to make an offer or am I and/or the seller legally bound to go through the estate agent?

    Advice greatly appreciated

    posted in mortgage by admin

    • Advice on negotiating a price on a new building with Haslam [first time buyers] [asking price]

    Q:DH and i are first time buyers (i have owned my own homes in the past but sold up 3 years ago and rented for a while).

    We are interested in a new build with asking price of ￡126995. We have a 10% cash deposit and mortgage offer in principal. We have even spoken to Haslams financial advisor(who we wont be using) and they confirmed to Haslam that we are good for the money, so to speak. When we first showed interest but said we were looking for a 15% discount as we are in an ideal pos

    posted in mortgage by admin

    • Rent first , buy later sRent”,[5],1,0,917,0,1,0],["first",[6],1,0,944,1,2,0],[buy",[8],1,0,973,3,4,0],["later",[9],1,0,973,4,5,0],["",[10],1,1,665,5,6,0],["s",[11],0,0,665,6,7,0]],[["Huur",5,[["Rent",917,1,0],["Rental",0,1,0],["Rented",0,1,0],["Hire",0,1,0],["Rentals",0,1,0]],[[0,4]],”Huur eerste, later kopen s”],["eerste",6,[["first",944,1,0],["the first",0,1,0]],[[5,11]],”"],[,",944,0,0]],[[11,12]],”"],["kopen",8,[["buy",973,1,0],["purchase",0,1,0],["buying",0,1,0],["Buy It",0,1,0],["to buy",0,1,0]],[[19,24]],”"],["later",9,[["later",973,1,0],["subsequently",0,1,0],["later on",0,1,0],["after",0,1,0]],[[13,18]],”"],["",10,[["",665,1,1]],[[25,26]],”"],["s",11,[["s",665,0,0]],[[26,27]],”"]],,,[["af [first time buyers] [government incentive]

    Q:Hi, I am looking for information on a government incentive scheme aimed towards first time buyers.

    It was mentioned in numerous articles one is here (http://news.bbc.co.uk/1/hi/business/7508350.stm)

    Has anyone any information on these rent first, buy later schemes, where they are available and from what date?

    Thanks in advance

    posted in mortgage by admin

  • Confused first time buyer – would appreciate advice! [financial climate] [first time buyers]

    Q:Hi, I'm new to this forum and I've been trying to read all the posts but there are so many on this topic so sorry if I'm repeating previous questions. Myself and my partner are first time buyers and we've seen a house we both love and is ideal for us to live in for a long time. It's on for ￡275,000 but we've been told he will take an offer. Do you think it would be sensible in today's financial climate to make a very low offer (say ￡220,000 then possibly go up to ￡2

    posted in mortgage by admin

  • Buy or rent for six months more ?Buy or”,[5],1,0,604,0,2,0],["rent for",[6],1,0,424,2,4,0],["six months",[7],1,0,783,4,6,0],["more",[8],1,0,593,6,7,0],["?",[9],0,0,593,7,8,0]],[["Koop of",5,[["Buy or",604,1,0],["Purchase or",0,1,0],["Sale or",0,1,0],["Buy and",0,1,0],["Buying or",0,1,0]],[[0,7]],”Koop of huur voor 6 maanden meer ?”],["huur voor",6,[["rent for",424,1,0],["rentals for",0,1,0],["rent",0,1,0],["rental",0,1,0],["for rent for",0,1,0]],[[8,17]],”"],["6 maanden",7,[["six months",783,1,0],["6 months",212,1,0]],[[18,27]],”"],["meer",8,[["more",593,1,0],["longer",3,1,0],["greater",0,1,0],["further",0,1,0]],[[28,32]],”"],["?",9,[["?",593,0,0]],[[33,34]],”"]],,,[["af [first time buyers] [53k]

    Q:Hi

    I'd appreciate any advice on our situation, as we are not sure what to do at the moment!

    We are first time buyers and have saved a total of 53k to date, 43k of which we would use as a deposit on a house, leaving 10k for fees, keep in our savings etc etc.

    We have been renting for a couple of years and are keen to own our own home, nearer to my place of work. We are looking at houses with asking prices of between 179k to 200k, so our deposit is worth 20-2

    posted in mortgage by admin

  • The Infamous London Area Debate [first time buyers] [london areas]

    Q:Yep, sorry, I'm starting another of those off

    We're First Time Buyers, we want to stay fairly central but would be willing to commute from somewhere in under an hour, especially if it was a niceish area. We're not too scared of Central London areas as many seem to be, we live near Finsbury Park now and though it's a bit hectic, we quite like it.

    Budget is around ￡200K max, and that's presuming we can haggle people down to ￡170K!

    Does an

    posted in mortgage by admin

  • How fast should I up the property ladderHow”,[5],1,0,455,0,1,0],["fast should",[6],1,0,285,1,3,0],["I",[7],1,0,460,3,4,0],["up",[8],1,0,633,4,5,0],["the property",[9],1,0,629,5,7,0],["ladder",[10],1,0,626,7,8,0]],[["Hoe",5,[["How",455,1,0],["How to",0,1,0],["The",0,1,0],["What",0,1,0],["How do",0,1,0]],[[0,3]],”Hoe snel moet ik omhoog eigendom ladder”],["snel moet",6,[["fast should",285,1,0],["swift action to",0,1,0],["requires swift action to",0,1,0],["hurry",0,1,0]],[[4,13]],”"],["ik",7,[["I",460,1,0],["me",0,1,0],["I am",0,1,0],["I have",0,1,0]],[[14,16]],”"],["omhoog",8,[["up",633,1,0],["raised",0,1,0],["upwards",0,1,0],["upward",0,1,0],["uphill",0,1,0]],[[17,23]],”"],["eigendom",9,[["the property",629,1,0],["property",0,1,0],["owned",0,1,0],["ownership",0,1,0],["title",0,1,0]],[[24,32]],”"],["ladder",10,[["ladder",626,1,0],["scale",0,1,0],["ladders",0,1,0]],[[33,39]],”"]],,,[["nl [property ladder] [first time buyers]

    Q:Hello all,

    I have just purchased my first house with via the first time buyers initiative. I am now on the property ladder (well just about).

    My question is how quickly should I aim to move up? The next step would be 100% ownership. Friends have said it is easier to buy a better second home than your first.

    Cheers

    Leroy

    posted in mortgage by admin

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