First time buyer

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Re: First time buyer

Postby rufio89 » Wed Apr 08, 2009 11:37 am

that sounds very low to me Ragdoll. I would check :) lol
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Re: First time buyer

Postby dipsydoodlenoodle » Wed Apr 08, 2009 12:19 pm

My friend said they paid around £3000 for legal and surveys and stuff - which my parents said was a bit extreme (however my friend likes to have the best of the best).
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Re: First time buyer

Postby RagDoll » Wed Apr 08, 2009 12:30 pm

That is extreme - my boyfriend might have got his figures wrong, but I don't think it amounted to anywhere near as much as that!!
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Re: First time buyer

Postby rufio89 » Wed Apr 08, 2009 12:44 pm

I might be way off, but I reckon it should be about £1000
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Re: First time buyer

Postby dipsydoodlenoodle » Wed Apr 08, 2009 2:55 pm

Well I think most people wouldn't pay £3k however like I said they like the best of the best; they were looking at shelves to furnish their 4th bedroom (there is only 2 of them living there) and they were looking in the region of £5k.
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Re: First time buyer

Postby rufio89 » Wed Apr 08, 2009 3:03 pm

:o

I was looking at shelves in John lewis the other day and going "what the hell? I'm not paying £400 for some shelves" so I looked in ikea instead haha
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Re: First time buyer

Postby dipsydoodlenoodle » Wed Apr 08, 2009 3:20 pm

rufio89 wrote::o

I was looking at shelves in John lewis the other day and going "what the hell? I'm not paying £400 for some shelves" so I looked in ikea instead haha


I know; Ikea does some pretty decent stuff at affordable prices!
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Re: First time buyer

Postby Bel Bel » Wed Apr 08, 2009 4:36 pm

IF YOUR A FIRST TIME BUYER YOU ONLY PAY BUYING FEES IF YOUR SELLING AND BUYING YOU PAY BOTH
i moved 18 months ago and paid £2900 TO SELL AND MOVE - CAPS ON AGAIN (NOT TH WHOLE TIME THOUGH - WEIRD) :oops:
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Re: First time buyer

Postby snail » Wed Apr 08, 2009 6:48 pm

Lol, Bel Bel, your posts are just the best! Helpful and funny too! :D
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Re: First time buyer

Postby dipsydoodlenoodle » Thu Apr 09, 2009 8:52 am

Well I went to see yesterday about how much they would actually lend me; I got a booklet with all the prices in but by the time I got in I couldn't be bothered to look at it; I'll do it tonight though.

I can get a mortgage at the top end of my range but its £700 repayment a month - which on my own is a bit steep since I'll have bills and stuff :(. I'm still looking into it further.
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Re: First time buyer

Postby rufio89 » Thu Apr 09, 2009 8:59 am

£700 repayment a month


But, you wont be on your own will you? I thought your boyfriend was moving in with you? and if something happened there, you could get a lodger or something??

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Re: First time buyer

Postby dipsydoodlenoodle » Thu Apr 09, 2009 9:26 am

Well yes he would be moving in; HOWEVER I did want to be able to afford it myself "just" in case anything happened. He did also say he'd need to find someone to replace him in his place - if he does it, then it would be years. He rents from his parents so he can't mess them around. I've told him he needs to actually sit down and think about it properly (i.e. sorting out his place); money for the house, money to do it up furniture etc. His dad is a painter and decorator so he could help us out on that front - but thats immaterial (spelling?) at the minute; its furniture which we'd need more.

If I put a 20% deposit down then its around £600 a month which is far more reasonable. I admit I do have my car to pay as well - however I do have the money sitting there for it so I'd be tempted to pay it off straight away so I'd have an extra £200 a month and just have less up-front. I wouldn't miss if if I technically didn't have it to begin with.
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Re: First time buyer

Postby rufio89 » Thu Apr 09, 2009 9:35 am

I dont think it would be a bad idea to pay off your car while you can dipsy - it'll probably save you money in the long-run and you'll have more disposable income.
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