Associate
Hi Everyone,
The gf and i are looking into getting our first home. Basically where the hell do i start? lol.
We have around £14k deposit and are looking at houses around the £140k mark. What's the normal procedure do people offer on a house first and then look into mortgages or is there away to get a mortgage agreed in principal with a lender?
The gf is just due to start a new job so not sure how this will effect us? Ive been in my current job for 6 years and should soon be getting a payrise although i have applied for a new job which pays better again (To early to speculate on that one though). Overall we have a joint income of £41k which should soon rise to £43.5k (Possibly £45k with a new job).
Outgoings wise we both have car loans of £130 per month although we would ditch one car and clear the loan on it as well as hopefully pay of the bulk of the other loan. Other than that we both have a £30 a month phone contract and no other debts at all.
Were interested in house weve seen advertised. 3 bed detached, prob 15-20 years old. What sort of gas/electricity bills etc would people expect to receive on such a property?
Sorry if this is quite a random and babbling post. Im just trying to give a good insight on our situation and see what peoples general thoughts are on if were being realistic etc. Weve also been together for about 7-8 years and been on countless holidays together so were fairly confident it will work well which is why we'd prefer to buy rather than rent.
Thanks,
Russ
The gf and i are looking into getting our first home. Basically where the hell do i start? lol.
We have around £14k deposit and are looking at houses around the £140k mark. What's the normal procedure do people offer on a house first and then look into mortgages or is there away to get a mortgage agreed in principal with a lender?
The gf is just due to start a new job so not sure how this will effect us? Ive been in my current job for 6 years and should soon be getting a payrise although i have applied for a new job which pays better again (To early to speculate on that one though). Overall we have a joint income of £41k which should soon rise to £43.5k (Possibly £45k with a new job).
Outgoings wise we both have car loans of £130 per month although we would ditch one car and clear the loan on it as well as hopefully pay of the bulk of the other loan. Other than that we both have a £30 a month phone contract and no other debts at all.
Were interested in house weve seen advertised. 3 bed detached, prob 15-20 years old. What sort of gas/electricity bills etc would people expect to receive on such a property?
Sorry if this is quite a random and babbling post. Im just trying to give a good insight on our situation and see what peoples general thoughts are on if were being realistic etc. Weve also been together for about 7-8 years and been on countless holidays together so were fairly confident it will work well which is why we'd prefer to buy rather than rent.
Thanks,
Russ