 My parents are buying real estate in both their names but cant be there to sign for the closing? |
| Can they both give a power of attorney to one person and have that person sign for both of them?... |
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 I would like to purchase a home with my stepbrother but I am married.? |
| My husband is in the process of foreclosure ( i am not on the loan) I work full time as does my step brother credit is not that bad combined annual income in 90k the only debt that i have is a ... |
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 I have six months left on my lease, when can I start looking to buy a home? |
| I talk with my landlord about breaking the lease to buy a home closer to work. She told me that I will have to pay for the remainder of months, which is $875. So pretty much i will have to wait it ... |
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 How many days/months must you give your landlord before moveing out? |
I want to move out due to things wrong with the apartment (to small, basment) how long do I have to let my landlord know?
Additional Details
My landlord never gave me a copy of the ... |
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 100% Mortgages? |
| 100% Mortgages, 95% Mortgages, can I get one?... |
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 How much is the avarage utilities for a 6 person household? |
| And one person(renter) pays 25 persent of all utilities. Where can I find out information of all utilities billsfrom the last 6 month for residential housing in Wahsington State?... |
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 How can My family Avoid foreclosure? |
| My credit score has only gone up to 665 in almost a year and im having difficulty making the current morgage. Advice any1? programs to help? government help? any help?... |
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| Which is Better a PrePayment Meter or Direct Debit for Gas and Electric? |
| Single Occupent, 1 Bed Flat, usual Male toys of TV and PC. Works in Day. Wondering which is best PrePayment or Direct Debit with meter ... |
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| Is it possible to get a 100% mortgage when you are purchasing on your own and earn £13,500.00 a year? |
Additional Details
The property would be under £125,000.00. I have no monthly outgoings, have never had a loan, have good credit history and have been in my job for little over a year. ... |
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 My credit score is 507, 517, and 535.? |
| I live in Mississippi and it's hard to purchase a house. I have things on my credit report mostley from when i was in college. I am finishing up my master degree in June, therefore I have to ... |
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 Do I NEED a real estate agent??? |
| I found online the house I want, its $280,000 I called my bank they ran some numbers and said I got approved for up to a $300,000 mortgage. So dont I just contact the person selling the house and ... |
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 What is property tax and how long do you have to keep paying it??????????? |
| I am considering buying land In New York (possibly in Rye) but I am wondering what is property tax, where does it come from and how long do you have to keep paying it?... |
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 Can LandLord Do this..? |
| My Landlord came down today and gave me a Termination of Tenency notice. I have been in the house about 4 years. I have never been late on my rent. nor gave him a reason to throw me out. Is there ... |
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 If I pay 1/2 of my mortgage payment every two weeks will that have any benefit? |
| I had read somewhere that if I split my mortgage payment in two and pay it every other week it could cut years off my mortgage. If this is true can you help me with a web site I can show my husband ... |
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 Just purchased a home, and mortgage broker said we could refinance in 30 days. I need to know how that works? |
| We need about $10,000 to pay off some bills. I want to either get cash to pay off bills, or for all my bills to be combined in one payment along with my mortgage payment. Is that possible? Do they ... |
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 Should we rent or buy? |
| Me and my husband have 5000 dollars saved and we were wondering if we should rent or buy a house. Im pregnant and he is in the army. We are both really young, we are both 20. He has prefect credit ... |
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 Quick!! What should I counter offer they buyer? My house is on sale for $600k, they are asking $560.? |
Additional Details
Thank you everyone for your quick response. I live in Southern California. There is one other house on my community that is $599 with my same square footage. We ... |
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Andrew W | Buying a New House. So Expensive!? |
We are in the process of buying a new house (first time buyers). It is soooooo expensive.
Solicitor £1000
Survey £250
Arrangment Fee for the mortgage £500
Is there a cheaper way of doing this part? |
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leambi
 |
Believe it or not they aren't bad figures, some mortgages have arrangement fees of over 3% of the mortgage and the survey is reasonably fair, you could probably find cheaper solicitors it depends if you are willing to phone some up as usually for a straight forward purchase they will charge between £250 - £650 depending on where you live. |
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Rolsy
 |
You can't skip this process unless you are buying for cash. The mortgage lender will insist on the survey and a solicitors involvement.... |
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ronnie M
 |
Get a Mortgage without an arrangement fee. ING Direct are great. |
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Dee L
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Thats nothing compared to what it costs to sell one - our last move cost £9K in tax,£2250 estate agents and £1600 legal, plus £300 mortgage, £1000 survey and removals costing £500.
However I would suggest that you shop arround for best deals : sometimes estate agents have arrangements for convayancing with local estate agents and can save money, the survey sounds cheap and is not a FULL one which I would recommend unless you are buying a brand new house. |
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simplesimon
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In the grand scheme of things these aren't that bad prices. Seeing as you need a mortgage you need a survey (so you both know how much the property is worth), and you need a solicitor to do the conveyencing.
There are lenders who may waive arrangement fees, and there are also some property companies (new builds) that will throw in things like survey and costs for free (particularly for city centre new builds, but also other ones).
That said, you do end up paying for it one way or another - even if someone is giving you something 'free'. In the example of new builds it will likely be you are paying marginally above the market rate.
Developers, lenders, solicitors, surveyors - they all want to make their money someway. |
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Jamzack
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We had the same trouble last year as first time buyers, I just suggest shopping around, don't go for the first deal you see, do some research on the internet etc good luck and happy house hunting! |
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Mama pink
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got to be done im afraid, you could end up paying survey costs a couple of times if your offer is beaten, check with your estate agent ours did an offer that if it falls through after a survey has being carried out they will pay for your next one. but yes its very expensive, im glad im settled in my love nest it was a very draining time when we were house hunting. hope you find your dream home soon |
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groovymaude
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Sounds about right, ask the developers about paying fees - they'll be pretty keen to keep buyers at the moment - especially those that are chain free and can complete speedily! |
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taz man
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Appoint a mortgage broker and ask him to find you a fee free deal. This way you will have no arrangement fee no legal fees and no survey fees. However you will have to pay a brokers fee for his work but if you negotiate with him this should cost you no more than £300. So this could mean a big saving. Good Luck. |
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female Yid
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You need to shop around as a first time buyer for the best deal that may hold a benefit package to first time buyers that would cover a lot of your cost. The Booking fee for a mortgage could be added to the mortgage if the affordability is there their for the lender has to prove your good for the extra money. Talk to the Abbey I Know they have package deals that will suit you also be careful as a first time buyer as to weather or not you are receiving advice or not with regards to the mortgage you are taking out most Brokers offfer a non advised service.Dont forget their is other things you may need or want to protect you with the mortgage you are about to take on.Hope this helps. All the advice you receive at the Abbey to discuss possibly being a first time buyer is free. |
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