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vamy189 | Mortgage when buying a new house? |
hi i just wanted to know if i need to find a house a want to buy first and then talk to the bank about a mortgage or first talk to them and then find a house? and if you want to buy the house with mortgage do you have to pay to lawyers and banks for the service or is it included in the mortgage price? |
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Twinkles
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You need to find out how much you can borrow from a bank/building society BEFORE you find a house. Lenders have limits on how much they will lend you either based on affordability models or salary and will look at any loans, credit cards and deposit you may have.
Go to an INDEPENDENT Mortgage Broker rather than direct to a bank or building society. Being independent should mean that they can look at the whole of the market to find the best mortgage deal for you. This is important as all the lenders set their own criterias as to how much they will lend and to whom so although one may not be able to do what you want there may be many others that will. The independent adviser will also be able to find you the best deal for your individual circumstances. Most Estate Agency based advisers work from a panel of lenders so be prepared to ask them whether they look at the whole of the market or just a cross section.
When it comes to the costs involved, the mortgage lender normally charges an arrangement or booking fee which can often be added to the mortgage (this does mean that you will incur interest on it though) and also a valuation fee to check that the property is suitable security for the mortgage. You will also have solictor fees including stamp duty and it is worth getting an estimate from a couple of solicitors. It is worth trying to find one that offers no sale, no fee which means that if your purchase falls through you do not get charged for their services just any expenses they have paid out on your behalf. The mortgage/financial adviser may charge you a fee but should tell you upfront at the first appointment. You should not be charged for the initial chat with them. I charge just £50 once an application is submitted to cover administration time as most mortgages take 6 - 10 hours worth of admin time but others charge up to 2% of the mortgage so worth shopping around again.
Hope this gives you a clearer idea of everything and good luck! |
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Claire J
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me and my partner have just bought our first house - we moved in 3 months ago. You need to go to a mortgage lender first to get a 'mortgage in principal' this means theu issue you with a certificate saying how much they are willing to lend you, but no footprint will be left on your credit rating. You then can look at houses within your price range and when u put an offer in you can go back to a mortgage advisor with the house value, value of your deposit and amount needed to borrow. This will then affect the cost of lots of things - interest rate will depend on if its a 100% mortgage or lower, you may have to pay higher lending fee's also if you borrow 100%. Fees are not usually included in the morgtgage, you can get the arangement fee (anything from nil to £1000) included, but solicitor fees (approx £800), searches, telegraphic tramsfer etc will all need to be paid separately and up front. It sounds alot of hassle but its well worth it!!! |
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Paul
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If you speak with prospective lenders they'll be able to give you an agreement in principal and advise how much they would be prepared to lend based on your individual circumstances. They will also give you an indication of your repayments so you'll be to use this information to decide how much you can afford to borrow.
You wll typically be liable for surveyors and legal costs associated with the purchase but if you're borrowing less than the value of the property you may be able to include some of the costs in your mortgage. |
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huffy
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Go see the Halifax, They will sit you down and go through everything with you, including an agreement in principal, they will also speak to you about how much spare cash you have and what type of mortgage to take you then can go looking for a house and with a agreement in principal you can put offers in when you see a house you like rather that loosing out cos you have to go back to the bank, Halifax will put you in the wright direction |
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leambi
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You need to talk to a bank or mortgage broker first to find out how much you can borrow, and what deals are available to you (so you know what price range to look at), then you can start to look at houses, mortgage lenders charge an arrangement fee but this can be added to your loan, you can also specify that you want a product that has free valuation and free legals so that you don't have to pay for these (some offer a cashback service instead). |
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♥ Minki ♥
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You can get an agreement in principle from banks which means they do a credit search and calculate a maximum amount based on your income.
You don't generally have to pay a high street bank for their service but you do pay solicitors. A mortgage broker generally will charge you a fee for their services. |
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Lenny
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You can get a mortgage arranged in principle before you've found a house. This will put you in better stead in getting your offer accepted, and it'll also let you know how much you're able to spend when looking at houses. There'll be a fee for this which you'll pay to the mortgage broker.
When you find a house you like, the mortgage company will send a valuer out to the house to see if it's worth the amount you're borrowing. Basically all they want to know is whether they'll get their money back if for what ever reason you fail to pay and they have to sell. |
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Finance Expert
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http://www.needingadvice.co.uk/ |
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Butternut27
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In this climate as you appear to be a first time buyer I would suggest you get the mortgage first..for two reasons:
1.A large number of banks have tightened lending criteria and gone are the days of anyone just qualifying for a mortgage
2.Having a mortgage already agreed will strengthen your bargaining position..and you are in a stronger position to negotiate than someone without a mortgage
The fees paid to solicitors, surveyors and mortgage brokers are separate charges..don't forget to have the money aside for stamp duty..good luck... |
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Raine
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see a financial advisor, they are in most estate agents and give there advice for free, they can also help arrange a mortgage for you. get your finance in place before you find a house. |
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kevin p
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have a word with bank first nat west is alright to talk to |
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