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http://atlanta.craigslis
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*~_**_Jester_**_Girl... | Morgages - why has the world gone mad....? |
It crap - why is it that my partner and i work bloody hard and yet we cant live together (with our son).... i have to live with my parents (and my child who is 3) and my partner lives with his parents. he works 8am - 6.30pm every day but sunday and i work 8am-5pm all week yet we cannot get a morgage! i earn £14000 per annum and he earns £16000 per annum. (hopefully he will get payrise next year taking him up to £18000) but this is only enough to get us a morgage for about £107,500 - where we live (and everywhere in local-ish area) all you'd get for that amout is a one bed flat/maisonette - we cant do that cos of our child. it just sucks..i know there r people out there in same boat - does it get you all down?? or am i just ungrateful for wanting to make a home for me and my family?
Additional Details
A) i am in the UK
B)yes we have thought of renting but we hate the idea of money for nothing. And yes that is silly in some peoples minds but we are probably going to have to rent next year - we have been saving every penny we can before we do so though. |
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Luke Warnes
 |
You don't indicate where you live or whether you have any savings (which you should have if you are both living at home!).
The hardest thing is actually getting on the property ladder, and staying on it for the first couple of years...after that it's fairly easy. I'm in London and there are 2 bedroom flats for sale at £120K and below, and if you are selective not in "bad" areas. But a home is not necessarily for life, once you've started you can upgrade.
It does look like house prices will be coming down in the near future.
It's well worth talking to an estate agent or two - they get commission so they will want to help you.
There are half-buy and half-let properties available through housing associations, but when I've had a glimpse at those they look more expensive!
Good luck. |
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reardwen
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You might want to look at part ownership, which some housing associations do:
http://www.yourhomefinder.co.uk/UserPages/Looking.aspx
That way, you get onto the property ladder, and as you become more affluent (when the kids go to school and you can get more work) you can buy more of your home.
You might want to leave it a while; property prices look set to drop and you don't want to be left with negative equity (a house worth less than you paid for it) |
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Jeff
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I know that renting seems like throwing money out ever month, but that is the way I had to do until I could save up a down payment. I don't know about the UK but in the states if you can put up 15 percent as a down payment, it really lowers your interest rate and your payment! The only other option I can see is to continue living with your parents and sock money away for the down payment. You should be able to save faster living with your parents, than paying rent and trying to save as well. Good luck! |
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Geo
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Estate agents can sort out mortgages on the sly even if ur not working as long as the money is there is put down and shown. i got a mortgage when earning around 14k 2 years ago, i put down 15k saved up, used joint names on mortgage and it wasn't a self cert mortgage. and just rented the house out it was fine ,118k house. it can be done and more easily if there are two of you with a joint income of 30k, u should be able to get 150k mortgage. i paid 500 quid to have it sorted and they showed my income as 33k , only me working aswell.
you need to look in a different area for better houses. ........................................... I also stay with parents and still do. works a treat plus parents dont want me or grandchildren to really to leave im 25.
cavetroy.......
.i dont know were your leaving u obvoiusly dont know the right people. if i had 30k i would buy another house even if i was unemployed may be two. |
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Playstation
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Call Picture!! Have You Seen That Ad? OMG!! Yeah Morgages Are Crazy! |
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hifi1863
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wow thats kinda tuff. the way I think , I could easly be wrong but isn't the euro about 1.80 per dollar. your just going to have to manage to save a plenty of down payment. Stay where you are for now. if you buy a place, and the interest rates go up you will be in bad shape. Its obviousley different over there. its easy to get money here. if your credit is good.
But then lots of people worked hard and lost there homes. Because they didn't plan ahead. Make sure when you make the move. You can afford it. maybe you can rent to own. type deal. if the property goes up in value. you gain. if it goes down. Then move to another. look real hard for a a cheaper rent. my girl freind pays half the average rent.
but then she is the cheapest women I have ever met. so I don't know. |
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cavetroy
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We too, Both work and have 2 under 4years. We are renting from the council in a rough area and just last week there was a shooting around the corner and recently had our tyres slashed, can't walk our dog after dark and so on. Desipte having a large deposite of £30,000 from an inheritance there is still no hope..
All we can hope for is a house price crash. Or a lottery win. |
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holeeycow
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Sounds like you are not mature enough to be out on your own. Two people who have a three year old son and each are still living with their own parents?
You say you are working.......what are you spending your money on? new cars? clothes? eating out?
Get out of your parents home if you are over 18 and start living. Bankers are looking at your situation the same as me. Making money and having nothing to show for it.....you have to start off small and work your way up. You can't have what your parents have when you get started.....it took them 20 plus years to get where they are and you want to start there in the very beginning?
Move out now and rent. Then buy a house. Quit buying useless stuff. Pay off all of your bills and life will be good. |
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crispy
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Its spelt mortgages actually, this is probably why you are in such low paid jobs, get an education then maybe you can move out of the squaller you live in and move up the social ladder
ohhh touche! |
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