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 Hi, i need £20,000 in order to buy a house as a deposit? |
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Babything | Can we afford a morgage? |
Me and my partner are looking into getting a morgage, our income combined is £26,000 per year.
Can we afford one and what price house could we get? And how much monthly would we pay? As we are paying £500 a month now on renting just a flat.
Please help if you know any answers :)
Additional Details
I live on the Isle of Wight, |
 |
 
mpok8
|
you need to earn more money -- i suggest crime. |
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clare.h
|
you need to look online at mortgage calculators,or speak to a financial advisor. i couldnt tell you how much you could get as every mortgage provider has diferent criteria. some do 3 times the highest wages and 1 1/2 times the other, some will offer more. it all depends on your credit history and how much deposit you have saved. it also depends on the area you want to live in, as most places are out of reach to first time buyers these days.
as a guide, we pay £430 a mth for a £70,000 mortgage on an interest rate of 5.8%. we had £20,000 deposit as well.and live in coastal yorkshire.we were paying £400 mth for a damp house with slugs all over the carpets, but now have our own home.
good luck for the future, i hope you manage to get out of rented soon, its just dead money, that you could be spending on your own home. |
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Charlie Brigante
 |
You should be able to get a mortgage of £100k (some may offer more) but bear in mind with that ammount, you'll be paying around £600-£700 a month (on a repayment mortgage). You can reduce this by taking an interest only mortgage providing you are confident that you can pay the full price of the house after your mortgage term is up. |
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jojo
|
normally they calculate mortgages by 3-4 times salary in london they allow more. so the total you would be allowed is £104000. I think the isle of wight is expensive to buy a house there. |
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Full Circle
 |
really depends on where you plan on living and the prices in that area, the most accurate answer to your questions really depends on you and your partner's credit scores and what type of loan program you'd be interested in getting, as that can greatly impact your payment. |
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zoe
|
yes u could be paying £500 for a morgage a month or less
go for it |
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MARTIN D
 |
Apply online at www.surefirefinance.co.uk they will get back to you with what they can offer. |
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shardf
|
You would have to get with a Realtor and they could tell you. It depends on how much you want to pay, and how much you want to put down, and what you want in a place to live. I take it you are from England, so it would be difficult, although I have been a Realtor before, it is just that you are in another country, so I am not familiar with the real estate prices there. I don't know what the diff. loans are there, here we have a first time buyer program and very little down, also a Veteran can get in with nothing down. It does not seem that you can afford much, but I do not know the real estate prices there. It would also depend on how much you owe, what your assets are, and your credit rating. Get with a Realtor, and get pre-qualified, then you can go look at some places. I live in California, so here the prices are higher than your area maybe. Good luck. |
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Annie M
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Some lenders would give you 5 x that, so a mortgage of 130k. However this wouldnt buy you much, but depends what area you live in. Probably get a 1 bed flat, however the repayments on 130k would be more than 500/month. Try and save a deposit as that will help in the long run. |
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chris
 |
I give out loan to students{studentsloan}Business Men and women who are into Business transaction, I give out long term loan for three to five years maximum with your interest in this you can as well tell me the amount you need so that I send to you the terms and condition that is if you are realing interested in getting a loan from me, Loan is given out in Pounds and $US the maximum I give is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest I will trust you because I like to do business with Honest people if you are one you will get the loan with out problem and for your information if you should more loan like $10,000,000m I can give only if you are one of these cartigories:
Manager of a company
A private Holder
A broker in banks
A director in any office or company
A high investor of and compay
If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon.
Name In full____________ ____________
Occupation___ _______________ ______
Counry_____ _______________ _______
State____ _______________ _________
City___ _______________ ___________
Zip code:__ _______________________
Phone Number ____________________
Sex _______________ ______________
send these info it is important. Mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. If you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now. email chris_per_lenders@yahoo.com
Thanks. |
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Keanu
|
-Down payment.... at least 5-10%, check with a bank and the mortgage rates.
-You shouldn't pay more than 33% of your income, or at least this is how a bank may see it for approval.
-Make sure your credit is good, stability with employment is also very valuable.
-Amotization...overall mortgage age to reduce cost ask for 25-30 years
-Mortgage term.....equate the current rates and your career plans as well as how the bank rates change with your country's governmental elections.....I would sign for nothing longer than 3 years at the most.
I'm in Canada, so this equates to 52K annually here, 1000 per month, you sould be able to afford it based on those amounts, you may find your mortgage cost will be something similar to what you are payng now to another 100 to 200 pounds ........ this also can depend on where you buy......
Best of luck :) |
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Billy B
 |
Carry on renting.I'd been off work ill for nine months and got behind with everything including the mortage and eventually had my house repossessed.I'll be paying the shortfall on what I still owed on the mortage for the next 28 years at £275 a month and the solicitors for the creditors keep hounding me for the full amount of over £90,000 in a lump sum.No one can get away from this,it's the law.No one knows what's around the corner when they take on such a great responsibility. |
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