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PT try Google Comparison (mortgages), it'll give you a broad idea who will touch you, just based on income and deposit, but as Dougs says the final word is on affordability (which should then get you an offer in principle, which you should get before looking for houses as its a decent way to make you a very attractive buyer) Just don't tell the vendors you're putting in a stripper pole in their kids bedroom |
Advice on house hunting
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Psychotext 70,652 posts
Seen 3 days ago
Registered 15 years agoI tried that with the income, and it seemed to be ok... but I don't really know what it's supposed to show if it's not.
Edit - Ahh, ok, it came back with far less results when I messed with the figures. Got 236 possibilities with the real figures, then only 45 when I upped it by £50k.
Seems promising.
Edited by Psychotext at 14:02:44 26-09-2014 -
If you got a load of hits you're at least good for their lending criteria on that base level.
If you had no hope you'd get zero results. -
Psychotext 70,652 posts
Seen 3 days ago
Registered 15 years agoPES_Fanboy wrote:
Aye. Cheers.
If you got a load of hits you're at least good for their lending criteria on that base level.
If you had no hope you'd get zero results. -
It's a pretty good tool (hurhur) too when tinkering as you can do things like "okay, so if I ate just baked beans for three months and saved a bit more it gets me down to a lower LTV, how much will that lower my repayments?"
Etc -
Dougs 100,414 posts
Seen 4 hours ago
Registered 18 years agoAre solicitors/conveyencers obliged to write to you by letter every single f*cking time they want something? Just email me or heaven forbid, pick up the s*dding phone?! All minor things they need dropping in like guarantees etc. Infuriating the delay it all causes. Move with the times FFS.
Edit: Guarantees, not contracts. They are quite important.
Edited by Dougs at 15:44:59 08-10-2014 -
brokenkey 11,128 posts
Seen 9 hours ago
Registered 20 years agoIf you only need a conveyancer, then these guys are shit hot:
www.enact.co.uk/
All on-line and phone, take instructions off scans etc. -
RyanDS 14,074 posts
Seen 14 hours ago
Registered 13 years agoDougs wrote:
Audit trail innit.
Are solicitors/conveyencers obliged to write to you by letter every single f*cking time they want something? Just email me or heaven forbid, pick up the s*dding phone?! All minor things they need dropping in like guarantees etc. Infuriating the delay it all causes. Move with the times FFS.
Edit: Guarantees, not contracts. They are quite important.
Very important in case you accuse them of not asking for something. -
Dougs 100,414 posts
Seen 4 hours ago
Registered 18 years agoBut can that not be done by email? -
FWB 56,369 posts
Seen 6 months ago
Registered 20 years agoMine did everything by email. PDFs attached. Even when I had to sign something, it was emailed and I posted it back.
Edited by FWB at 17:49:58 08-10-2014 -
RyanDS 14,074 posts
Seen 14 hours ago
Registered 13 years agoDougs wrote:
Ah. Misread you. All my stuff was via email and pdf. Only the final contact was actually posted.
But can that not be done by email? -
Put my first offer on a house ever today. 125 big ones! He's asking 132 but only paid 124 two years ago. I'm not going any higher though as I'm not paying no stamp. Fuck that.
Hope he accepts. Onll looked at this one but its in a nice area that we already rent in and is a few doors away from 'her' sister. That'll keep her off my back giving me more gaming time!
A whole extra floor in the house to what I have now so hopefully I can move out of the man cave (a.k.a. under the stairs) and into a man palace. -
Dougs 100,414 posts
Seen 4 hours ago
Registered 18 years agoG'luck! -
elstoof 28,126 posts
Seen 5 hours ago
Registered 16 years agoGood luck, the seller will really struggle to get anything over 125 anyway so you might get away with it.
Just remember you'll be in the same boat if you plan on sizing up in the next few years though. -
Dougs 100,414 posts
Seen 4 hours ago
Registered 18 years agoI knew that estate agents were lying fuckers, but do they have to be so blatant about it? Mine rang me yesterday, saying that solicitors were trying to exchange and what completion date did we want. Odd, given we haven't even signed contracts I thought. Lying fucker just made it up - I suspect so he had something to spin to my buyer but why not just asking. Slimey toad. -
Don't get me started on that. I have long since lost all faith that anything that comes out of my estate agents mouth is even remotely true. -
Dougs 100,414 posts
Seen 4 hours ago
Registered 18 years agoThankfully I've only one to deal with and have dealt with my vendor directly. Much easier (when technology doesn't let me down with texts not being delivered, leading to confusion).
Still hoping to complete in 2 weeks, so fingers crossed we can sign and exchange next week. -
mothercruncher 19,475 posts
Seen 21 hours ago
Registered 15 years agoIt's a cliche, but ever such a true one. Shit eaters, 90% of them.
All of the ones we dealt with, the same, except the ones who sold the house we bought. Scrupulously fair and balanced, quick to respond and nice to deal with. They even found the buyers for our house somewhere to rent when time ran out on their contract, just to keep the chain together.
Exception to the rule though, we had lies, incompetence, corruption with gazumping, etc, from just about all the others we had the displeasure to deal with.
Keep keeping on folks, extremely stressful but worth it in the end. -
Dougs 100,414 posts
Seen 4 hours ago
Registered 18 years ago@smoggo - indeed. THere are some out there but not many and not enough to disrupt the staus quo yet. There is a bit of extra leg work to do, but not much more than you have to do when estate agents ring asking daft questions. You just cut out the middle man. -
Tonka 31,980 posts
Seen 18 hours ago
Registered 18 years agoA big thing is the sense of false security "If the deal goes south it's nice to have a third party fixing it"
Except when my deal went south the agent just rolled over and played dead. Fuycking slime bags the lot of them. -
Zomoniac 10,628 posts
Seen 9 hours ago
Registered 17 years agoHow many houses is it normal to look round when planning to buy? I have about 60 in my saved list but that seems excessive. First viewing tonight, then four tomorrow and one on Saturday. I've never done this before. Scary. -
dadrester 2,560 posts
Seen 10 hours ago
Registered 18 years ago@Zomoniac We literally just moved into our first bought house. Looked at about 6 or 7 and were planning on looking at a lot more but knew after the second that that was the one we really wanted. Basically stopped looking after our offer was accepted. We're really happy with it. Good luck -
mikew1985 15,598 posts
Seen 3 weeks ago
Registered 14 years agoWe looked at 1.
New build, exactly what we wanted and in our price range.
We thought we were being a bit mental ourselves but we love it so far. -
We looked at about 20, across 2 Saturdays. Had to cram them in as we're moving 300 miles. The last 4 that we viewed were only because we'd made the appointments. Mrs Hermit got about 3 feet through the front door of the one we're buying before she announced that it was the one. I did think we'd downsize slightly on the move, but are actually buying one that's around 50% larger than our current house. -
FWB 56,369 posts
Seen 6 months ago
Registered 20 years agoFlat - looked at around three, but then I was going for shared ownership so my options were limited. If I were buying a house - somewhere I'd want to "settle"/build a family - I'm sure I'd be a lot picker. Not that I'm not really happy with with what I got. -
I looked at about 100. Just nearing completion now.
Bristol is mental.
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