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Everyone knows that buying a house is a long and expensive process. Yet, not everyone realizes that apart from the property cost, there is a set of other expenses. Without them, it would be simply impossible to go through the complete process. The detailed buying a house process – money timeline typically goes as follows:
Estimating your budget
Even before you start looking for the house of your dreams, you should carefully evaluate your budget and figure out what you can afford. Your savings should be enough to cover the first deposit and the mortgage fees, which may be as high as £2000. Then, you should check your credit report and talk to your bank representative – he/ she will be able to tell what mortgage plans you are eligible for (the consultation is free).
Making your offer
After that, you can start looking for houses. If you find something you like, you can make an offer. The offers are typically made via real estate agents. As a rule, agents represent sellers and, consequently, sellers pay the fees. If you want to hire a buyer’s representative, which is not necessary, you will be the one paying for your agent’s services.
Hiring a solicitor
While hiring a...
What to do when buying a house - this is quite a common question for many first time buyers. Normally, it goes like this:
Preparations
For starters, you will have to carefully consider your budget. Perhaps, you have already made some initial research on than one. Yet, you should note that your savings should be enough for the first deposit, and possibly - mortgage fees. Sometimes there are none, but in most cases there are, and they may reach up to £2000.
Also, you shouldn't hurry into spending all of your savings at once. You cannot take off the count the simple fact that a house you buy might need repairing, or some new furniture - so stay reasonable.
If you feel that you have enough money to cover all of it, you should still consult your bank - the representative will tell you if you can be pre-approved for a loan. If you have a positive credit history and your income is predictable, you will most likely be pre-approved. After the visit to a bank, you will know exactly how much you can afford to borrow, and you will be able to move on to a next stage - that is, looking for...
The process of buying a property is not complicated, but it definitely requires some time. The time-scale on every stage will differ depending on the circumstances, but normally, the most time consuming one is searching for a perfect house / apartment. Others are mostly red tape, and they go as follows:
Researching price range on property and figuring out your budget
For starters, you should carefully evaluate your budget. Remember that your current savings should be enough not only to cover the first deposit but also the mortgage fees. You have probably already completed some research on the price range of the property you might be interested in. Still, make sure you consider all the upfront payments in your calculations.
Contacting the bank for loan pre-approval
Next, you should make sure that the bank will pre-approve you for a loan. For that, you will have to go there and talk to your bank representative directly. He / she will evaluate your credit history, your income and its stability. If you can be pre-approved, the representative will also give some general advice on the mortgage plans most suitable for you.
Actual house hunting
Once you have established your budget, you can actually start house hunting. Determine what...
After buying a house, checklist of minor chores is practically limitless. You have to make sure every little detail is in place before you actually start packing your things. For different people, the particulars will surely differ. Yet, there are some common tips that can help you get started - no matter what kind of house you bought or how soon you are planning to move in - those are some universal guidelines any homeowner can benefit from. So, after buying a house checklist should first of all include:
Change locks and get new keys
To make the new property truly yours, you will have to install new lock and get yourself a brand new set of keys. This is not merely a symbolic gesture – after all, you cannon know for sure who can have the old set of keys, so new locks are more of a security measure.
Double check your house for leakages and pests
Even though you have probably made you first check before buying the house, make another one just to be on the safe side. A lot of smaller things can skip your attention at the first glance.
Order all missing furniture and equipment
Usually, houses are sold without any...
After buying a house, things to do are numerous. Of course, a lot will depend on the particular circumstances but generally it is possible to come up with several universal tips - little things that simply have to be done. Ideally, you should start working on these steps as soon as possible. The sooner you finish them, the sooner you can start packing your stuff and contacting the movers. Generally, after buying a house, things to do include:
Get pest control to check your house
Any house, especially an old one, should be checked for pests before you can move in. Technically, you can do it yourself – and if everything seems to be in order, you do not have to contact pest control. If you suspect that something is wrong, you should call the exterminators and they will take care of the rest themselves.
Get all necessary appliances and equipment
Make sure that you have all the appliances you need – especially if you have lived in the furnished rented apartments for your entire life. Sure, getting all the stuff you need make take a while, so you should probably start with the essentials – whatever this means for you.
Change the locks
Before...
Typical mortgage rates can take an average buyer to the cleaners, which is why the issue of refinancing re-emerges soon after the deal. However, different lenders have different conditions, so you might have to wait a while before you can renegotiate them. In addition, there may be additional payments on changing your mortgage plan or even closing it. So, after buying a house, when you can refinance and what rules apply to some of the most common mortgage plans and conditions? There are several approaches to refinancing the loan, and the most reasonable ones include:
Cash out
So far this is the quickest way to get a refinance. As soon as you close the deal, you can pay the full mortgage in cash. However, there are nuances. You can pay for the house in cash and get refinance at once, but you will have to prove where your cash comes from. Plus, you get more cash if it’s the first house you purchase; for the second and subsequent properties the amount of cash diminishes proportionally. All in all, it is a good perk for individual buyers; yet, it is not always perfect for realtors. Plus, the program does not concern business partners...
A house is a solid investment. Yet, make sure you are making the right choice, you should bear in mind this simple ‘what to look for when buying a house’ checklist:
Neighbourhood infrastructure
This is probably the first thing that has to be considered. Most buyers start looking for homes in a particular neighborhood(s), so you probably have a couple of ideas on the subject already. Consider not only how quiet / safe it is, but also its general infrastructure – are there any decent stores, schools, playgrounds, etc. Sometimes it wouldn’t hurt to evaluate public transport infrastructure as well – after all, cars break down.
Driveway and parking
In regard to cars, make sure that the driveway is wide enough. Length of the driveway can also be important. If cars are parked at the street, think if it can accommodate yours and your neighbours’ cars, while at the same time ensuring free and easy passage.
Amount of natural light
Living in a dark and gloomy house is not simply depressive – it can be hazardous for your health. So, make sure that the house has enough windows, and that they let a lot of sun in, that the trees outside are not blocking the natural...
Real estate deals can be quite tiresome. Yet, with an optimized approach to this challenging task, it is possible to come up with a universal viewing, moving, and selling a house check-list – a check-list that will save plenty of your time and energy, and help you to find, move, and sell a house without any painful efforts.
Viewing
Room and interior layout – pay attention to the size of the rooms, their position regarding one another, how accessible they are, and so on. Make sure there are no obstacles, such as narrow passages on your way, and that the rooms are logically placed.
Natural light - ideally, a house should have plenty of natural light. Not only does it create a cheerful and bright atmosphere in your home – it also gives you a chance to save on your electricity bills.
Utilities – speaking of bills, you should consider how much you are going to be charged every month. Some houses may prove to be very high maintenance, so try to get as much info on the subject as possible.
Moving
Order any missing furniture in advance – your new house may be bigger than the previous one, so you should take care of the...
A lot of young families wonder what to do after buying a house. On the whole, it looks like the most important thing is done; but, in fact, there are plenty of other chores and minor tasks even after the purchase. Lots will depend on your circumstances; do you live in a rented apartment, or do you have to sell your current property is one of the most important aspects that make a difference. Still, even though there are dozens of things you will have to take care of, the initial, urgent list of what to do after buying a house can be limited to 5 little piece of advice:
Check it for pests
Even if you have done an initial check before buying the house, wait for a while and make another one. This way, you will 100% certain that none of them ‘came back’, even if there were bugs or rodents.
Double check for leakages
Additional check for gas, water, or any other kind of leakages is necessary before you can start planning on moving in. If some problems have to be fixed, they should better be fixed in an empty house.
Think over your interior
If you have previously lived in rented apartments...
Moving into a new house is challenging enough - there are so many things to get ready in your new home, make it clean, order all the missing items, explore the neighbourhood, and so on and so forth. Then, of course, there is the packing and sorting in the old house / apartment, which often leads to getting rid of the old junk, and many more. With a list that long, it is easy to forget plenty of things, and notifying all relevant agencies and services is one of them. So, to make sure everything is in order, take a look at the full moving a house check-list, who to notify before you change your address.
Utilities services
Different services and utilities should be the first ones on any list. After all, you will have to receive the bills to your new address pretty soon. Do not forget about:
- Electricity
- Water
- Gas
- Telephone
- Internet, cable, satellite TV
- Post office
Finance
- Banks and creditors
- Office
- Insurance and pension companies
- Tax department
- Social security
Personal
- Friends
- Relatives
- Colleagues
Health
- Doctor
- Optician
- Dentist
Vehicles
- Insurance
- Registration
- Breakdown recovery
Other
- Schools and libraries
- Clubs and gyms
- Delivery services and subscriptions (post office may forward some your subscriptions to a new...
