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Author buying a house Part II
--Dave--
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Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
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19th Oct 05 at 14:44   View User's Profile U2U Member Reply With Quote
Things have progressed somewhat. and

Have identified what we think is a suitable solicitor, their fees amount to around £800 add that to stamp duty and we're looking at around £2500

Now it's just a waiting game. Hopefully it'll all go through and we can move in around beginning of December time. Only have to buy a sofa (i'm thinking black leather) and a bed. Everything is is pretty much being left for us

Have already organised 3 house warming parties as well...
Blue
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Registered: 24th Feb 03
Location: Sideways
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19th Oct 05 at 14:56   View User's Profile U2U Member Reply With Quote
Your question is
Rileysport
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Registered: 18th Jun 04
Location: West Yorkshire
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19th Oct 05 at 14:58   View User's Profile U2U Member Reply With Quote
jesus christ my fees were.... 480 quid
--Dave--
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19th Oct 05 at 15:09   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Blue
Your question is


I don't have one.

Didn't realise it was a prerequisite for posting on here

SRi-Co I think they're a little on the expensive side as well. We have contacted a few others and they're all pretty much the same price.
Blue
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19th Oct 05 at 15:14   View User's Profile U2U Member Reply With Quote
£170k house?

Go on http://www.easier2move.co.uk/get_quote.asp and get an online quote to compare.

Doesnt sound bad if they are including searches etc

[Edited on 19-10-2005 by Blue]
Rileysport
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Location: West Yorkshire
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19th Oct 05 at 15:15   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by --Dave--
quote:
Originally posted by Blue
Your question is


I don't have one.

Didn't realise it was a prerequisite for posting on here

SRi-Co I think they're a little on the expensive side as well. We have contacted a few others and they're all pretty much the same price.


Glad i bought when i was 20 then couldn't afford to now
leeshez
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Registered: 3rd May 01
Location: Great Harwood, Lancashire
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19th Oct 05 at 15:41   View User's Profile U2U Member Reply With Quote
I paid £1900 including my 5% deposit before i could move in my house.
--Dave--
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19th Oct 05 at 15:44   View User's Profile U2U Member Reply With Quote
my 5% deposit was £7,850

I decided to get a 100% mortgage

Blue - yeah that includes everything. Survey's and land searches etc...
Ally
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Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
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19th Oct 05 at 17:01   View User's Profile U2U Member Reply With Quote
How old are you Dave, who did you go with, is it joint?

We will rent but must look at buying sooner or later
--Dave--
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20th Oct 05 at 08:07   View User's Profile U2U Member Reply With Quote
I'm 22 Ally, yeah it's a join application with Northern Rock. They were the only ones that would lend us the money

Edd
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Registered: 8th Nov 04
Location: Glasgow
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20th Oct 05 at 08:08   View User's Profile U2U Member Reply With Quote
what is the limit for stamp duty now?
Blue
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Registered: 24th Feb 03
Location: Sideways
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20th Oct 05 at 08:10   View User's Profile U2U Member Reply With Quote
£120k
Edd
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Location: Glasgow
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20th Oct 05 at 08:12   View User's Profile U2U Member Reply With Quote
houses are a lot cheaper up here for that sort of money dave you would have a cracking house here.


cheers blue just couldnt remember
--Dave--
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20th Oct 05 at 08:56   View User's Profile U2U Member Reply With Quote
Hasn't the limit for Stamp Duty been raised? Thought it went up to £200k

Edd - yeah I know mate, the commute wouldn't be nice though
Edd
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Location: Glasgow
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20th Oct 05 at 09:02   View User's Profile U2U Member Reply With Quote
but think of the fun that we could have
Blue
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20th Oct 05 at 09:02   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by --Dave--
Hasn't the limit for Stamp Duty been raised? Thought it went up to £200k


No David - it was lowered in the last budget to make it easier for people to get onto property ladder.
Carly
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Registered: 21st Aug 03
Location: sheffield
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20th Oct 05 at 09:02   View User's Profile U2U Member Reply With Quote
Whats stamp duty?
Edd
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Location: Glasgow
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20th Oct 05 at 09:03   View User's Profile U2U Member Reply With Quote
no the stamp duty was raised blue
Blue
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20th Oct 05 at 09:03   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Carly
Whats stamp duty?


Tax you pay on buying a house - also known as gay duty.

Its 1% of the properties value until you get to expensive houses when it rises - cant remember the thresholds though.

Think it goes up to 4% on houses worth 500k plus
Edd
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20th Oct 05 at 09:04   View User's Profile U2U Member Reply With Quote
http://www.direct.gov.uk/MoneyTaxAndBenefits/Taxes/BeginnersGuideToTax/BeginnersGuideToTaxArticles/fs/en?CONTENT_ID=10010529&chk=5VuatH
Blue
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20th Oct 05 at 09:08   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Edd
no the stamp duty was raised blue


Oh yeah - threshold raised from 60k to 120k. Sexual.

http://news.bbc.co.uk/1/hi/business/4354855.stm
Edd
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20th Oct 05 at 09:09   View User's Profile U2U Member Reply With Quote
thats just GAY
TNM
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Registered: 5th Apr 04
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20th Oct 05 at 09:21   View User's Profile U2U Member Reply With Quote
but if you look at the average house price then stamp duty from 120k is silly
Blue
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20th Oct 05 at 09:26   View User's Profile U2U Member Reply With Quote
Not as silly as when it was 60k
Edd
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20th Oct 05 at 09:43   View User's Profile U2U Member Reply With Quote
not really tnm most 1st time buyers wouldnt be able to afford a house over 120k,like i said before a very decent house could be got here for under 120k

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