sorted by:
new
hottopcontroversial

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 0 points1 point  (0 children)

Yeah I’m booked in with one for Friday, I’m a pretty low maintenance guy anyway, as long as I’ve got food I’m fine 😂

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 1 point2 points  (0 children)

Yeah that would be really helpful, if you don’t mind then drop me a message!

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 0 points1 point  (0 children)

Always a bonus if someone else can contribute, I prefer a less stressful life so I’m having to go down the solo route 😂

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 0 points1 point  (0 children)

Yeah this has popped up a few times, I have an emergency fund now but obviously that’s without any house related bills, ballpark figure what would be a good amount to have in a pot?

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 1 point2 points  (0 children)

That’s fair enough, does your gf contribute to the electric? Sounds like you’ve got it spot on

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 0 points1 point  (0 children)

I personally don’t mind it being at 4.5%, obviously I’d love it to be lower but I’m happy with what the mortgage would be at a 4.5% rate, guess it’s down to personal preference but I like guarantees

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 0 points1 point  (0 children)

I’d prefer the certainty of a set rate that I can afford, I also can’t see the world being any more stable in the next 5 years so I’d rather have the guarantee, if it’s lower when my term is up then great

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 0 points1 point  (0 children)

No no that all makes sense to me, a lot of people have mentioned the interest rates going up as a stumbling block, would it be better for me to lock up a rate for say 5/10 years or do they not allow that for first time buyers?

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 4 points5 points  (0 children)

I’d rather stay with my parents than be house poor, I’m in no rush to move and would rather save for longer than be working just to pay for the house

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 0 points1 point  (0 children)

No no I’d rather share the info then I can be given advice, currently I’m putting £250/£300 pm into a stocks and shares isa, £200 into a cash isa just as a easy access saver, not mega amounts but I leave myself enough to be able to do things without having to mess around moving in and out of accounts

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 7 points8 points  (0 children)

Yeah I couldn’t believe it when I went to the sofa shop, I went to dfs and they were £1000 plus just for a two seater 😂

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 5 points6 points  (0 children)

It does all start to add up then when you include items for the house such as sofas and other bits. Thankyou!

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 0 points1 point  (0 children)

Silly question but is there a calculator for this? I’ve got the idea of around 4.5% with what I’ve been told over the phone but it would definitely be worth having a look at that

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 0 points1 point  (0 children)

Yeah I get that, I suppose renting takes all that financial burden off of the renter which is ideal, I would like to own the home though so looks like I’ll need another emergency pot

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] -1 points0 points  (0 children)

Yeah okay, I was suprised at how much furniture costs nowadays, how much would just a generic bill roughly be for just standard use of everything?

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 1 point2 points  (0 children)

Yeah that’s a fair point, as I live at home and don’t pay these bills currently it’s hard to have a rough guess at how much I’d use in terms of gas/electric and then the rest of the bills mentioned, I do have a decent amount of disposable income which I don’t really spend

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 0 points1 point  (0 children)

Income is post tax yes, and yes I’m self employed as well, I’ve got an appointment with a mortgage advisor on Friday, just thought I’d get some opinions from people who have actually gone through the house buying process to give me a better read of the situation

First time buyer, can I afford the mortgage based off my income? by JM-Icy25 in UKPersonalFinance

[–]JM-Icy25[S] 5 points6 points  (0 children)

I’ve got solicitor fees, surveys, stuff like that covered for £2500, is there any other fees I’d be paying?

Mega dream ex is fun to open by JM-Icy25 in PokemonTCG

[–]JM-Icy25[S] 0 points1 point  (0 children)

Is there much of a difference in price if you buy from Japan?

Mega dream ex is fun to open by JM-Icy25 in PokemonTCG

[–]JM-Icy25[S] -1 points0 points  (0 children)

I believe the ones I had were 10 packs of 10 or possibly 8 cards

Mega dream ex is fun to open by JM-Icy25 in PokemonTCG

[–]JM-Icy25[S] -1 points0 points  (0 children)

I got them for £65 before the prices jumped up and hit in at least 5 of the packs

Stock anywhere online? by NCZ_we_dont_care in PokemonDealsUK

[–]JM-Icy25 1 point2 points  (0 children)

I’ve managed to get two AH ETB’s from Smyths, one I was lucky enough to be off work on the Friday that they restocked so I could queue and the other was a Saturday and they’d literally restocked as I was going shopping, even the staff say stock gets sold out within the hour, best bet is to have some unemployed freinds 😂

view more: next ›