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[quote][i]Originally posted by Ally[/i] You wont be able to get a mortgage untill you are in full time employment Lie, and you may not get caught but if u do u could get into trouble like Cosmo has said. I went to a few independent advisors to see what mortgage deals i could get, funnily enough the best ones werent banks! I ended up going via the mortgage advisor from the estate agents (to my surprise :lol: ) Have you looked into the mortgages available on the marker? EG - Repayment, interest only etc if not you need to, figure out exactly what u want, but be willing to take on board advice Talk to your parents, as they will be clued up on it as well. Talk to friends, ask them if any of them recently bought a house and the ones who have ask them what mortgage advisor they used Decide on a budget, DO NOT go over your budget. You need to allow for mortgage payment, council tax, gas, leccy, tv license, life assurance, house insurance, car insurance, water rates, internet bill, home phone bill, mobile bill, loans/credit cards etc (which i reccommend clearing if you can before entering a mortgage) I know you've already been but jst in case u may have forgotten. Dont forget your solicitors fees etc, deposit, and your first mortgag repayment will be more than it usually is, your advisor will explain why as i will only confuse you. From my experience, i have learnt, dont be afraid to ask lots of questions and be 100% happy with the answers you get. I had a few probs when buying so had to chase my solicitors alot... which worked for me as in the end they were updating me every day which is what i wanted :lol::lol: Buying a house is pretty stressful but well worth it IMO. PS - PICS [/quote]
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