 Help!! i dont have good credit and i want to buy a house? |
I have bad credit and want to look into getting a loan to buy a house? Do I have any options, I have heard about first time home buyers loan? Can anyone give me any advice?
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Morph | £24k a year rent, on £450k property? |
I'm renting in London, does this seem extreme rent for an unfurnished flat? It's gone up 11% from last year, plus I have all the bills on top, council tax, TV, sky, heating, elec etc .... I'm not overly happy, it's £2k a month. Any land lords out there advise me on this? I just can't wait for prices to cool so I can buy
Additional Details
My parents live in Sussex and Kent, respectovely, and I have to be in work for 7am, no chance ..... plus I'm 26! |
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Perkins
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In London a 5.3% (24/450) yield is slightly on the high side. I work in investments and understand the average yield is more like 4.5% which would be £20,250 pa or £1,687 per month. Look around for something cheaper. |
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swordman
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That does sound pretty steep.
If you're renting, I'd suggest staying in a luxury flat, something that's just about big enough, that way you can save money faster.
go to any generic property website to see how much you should be paying... |
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Sue
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You could pay a mortgage off with 2k a month. It does seem steep but it obviously depends where and what type of flat is it. If you were renting somewhere exclusive for instance like Park Lane, you would expect to pay more than if you were renting in Forest Gate! Look in the local newspapers and compare like with like, thats the best way to check! |
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taketwo
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get a bedsit |
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Euphojim
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Sounds reasonable to me and just about covers the mortgage on the property. |
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halloweenpumpkinuk
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timmy |
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Robert B
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If you don't like the rent move or buy £24K will get a mortgage for London. |
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ragill_s1849
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Sounds reasonable for the price of the property you're living in. I like the sound of it already. But as others have said, you could easily buy a big old place for that much a month. Buy somewhere cheaper and then sell it on for a profit when you're fed up of being there and you can afford the place you want. By the way, what do you do for a living??? Can I have your job? :o) |
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Adele P
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Go to www.rightmove.co.uk, search for rented properties of a similar type to yours in your postcode area, and put your max rent as £2k per month. This should give you an idea of what is currently available in this price range, so you can see if what you are paying now is excessive or not. If it is, then you can see what other options are available to you. |
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paul
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Scaling up from what I pay that seems OK. For that price I'd say you'd be getting a 2-bed or very high quality accommodation. Lack of space is the price I pay for the convenience of living in Central London. Just look in a few Estate Agent windows to see if you're getting a good deal or not. |
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DONNA M
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go back and stay with your parents |
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Jess
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That is steep but it is London so probably reason. Ever thought about commuting or getting your own place? |
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Piffle
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there are nearly 20,000 unclaimed properties in london, ditch renting!! |
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