 Mortgage question? |
I have a 651 credit score. i have no money to put down, first time homebuyer. i was wondering what programs are available w/no money down. also is a lease/purchase a good idea?
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Shane H | Does anyone know an average figure for the monthy utility bills for a couple who are first time buyers.? |
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achrimsdale
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how many rooms to heat?
any children?
gas or electric?
what kind of boiler?
without knowing the above it is impossible to answer.
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Jody W
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doesn't matter if you are first time buyers for starters...
how big is the house, how many people would live there, what kind of boiler, what kind of power to boiler, what kind of oven/hob/heating, do you make an effort to turn off lights/unplug things when not in use? is it double glazed, do you want to include you insurance for life/house/contents, do you have loft/wall insulation? is it a corner flat or a central flat? is a semi or a mid terrace or a detached house? what are the walls made of?
your local council website will tell you what band of council tax specific properties are in adn how much they cost a year. If you rent a similar size property now, then use that as a guide in terms of how much you pay for bills (say the house you are looking at is 2/3 the size of where you live now, use it as a ratio!) take into considerations things like maintainence fees if you are look at buying a flat, and possibly ground rent, you'll need life insurance to get a mortgage, youll need buildings and contents insurance, you'll need a TV licence, phne line connection fees, internet/phone bills vary hugely and can be found on the internet, water rates for specific areas can also be found on the internet
power is roughly the same whoever your supplier is but council tax, water rates and what you are going to be using for what (like storage heaters or GCH) will make a difference, also how well insulated your home is!
good luck |
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emma
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Me and my partner put £250 each per month into a joint account for all utlilty bills, our council tax is quite cheap but we have £110 health insurance cover. I'd say £400 a month should cover it, after 6 months review it. |
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bostonianinmo
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Any average would be meaningless. You can check with the utility companies and and ask what the past years' bills were for the property in question. Of course, usage patters will vary from one occupant to the next but those numbers would be he most relevant to your situation. |
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dels replies
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In UK about £120 for gas and elec. You have got to allow for water and sewerage as well.Not so much in the summer.Phone tv and broadband will also cost a bit. The grand total for the lot. and include a monthly house insurance premium should come somewhere near £275 a month.Plus the dreaded council tax of course of something like £120 a month. So if you an manage £400 for all this,then add on your mortgage and car costs you will get an idea of how you will manage.overall. |
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cavviecath
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Depends on the size of you house and where you live. I pay £67 per month for Gas & Elec and £25 for water |
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Mom of 2
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There are many factors involved so this is a hard question to answer. You could ask the current owners what their monthly bills are or what the gas/electric company is currently stating as the average monthly amount. Older homes most times will cost you more if upgrades haven't been done. (ie: new windows will help decrease the fuel bills) |
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Kathryn
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In what city? |
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Kathleen M
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If you have a specific home in mind, contact the Realtor and have them get a print out from the utility company for the last year, so you can see what the bills were. Keep in mind, if the house has been vacant, the figures won't really count. |
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iceman
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Depends on size of house and where you live.
It will vary from 200-500 a month.
Cable/internet/phone is about 100-150 most cases.
Electric is about 100-200. |
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