I have actually used the mortgage broker you mentioned and got my fist house . Thanks so much for that . I will be filming a video on how I managed to get a house in the future
Currently speaking to a mortgage broker. I’m so impulsive and trying to get documents from my accountants etc is so time consuming and this is before I can start looking at what I can afford! Also for anyone ‘young’ and your friends think it’s funny to send you money using a reference like ‘sex toys’ or ‘drug money’. It’s not funny when you’re trying to adult 😭😫
This is the BEST advice ever!! 3 years on from you posting this and still relevant and so useful!!! My husband and I are hoping to buy within the next year so thank you for posting this video xx
We bought our first house in the middle of September and the pinch me moments are so real! We moved straight in on completion and haven't done any redecorating yet, but the first time we fixed something to the wall it felt almost illegal after years of renting 😂
That’s definitely something you have to weigh up, but our mortgage broker did the maths and said it was better for us personally to keep our deposit lower. I know that won’t work for everyone though!
I imagine it works more in the brokers interest to suggest a lower deposit as they work from commission so the larger the mortgage the more they make but it’s whatever works for the individual/s really! :)
You are both right. 1. Bigger deposit means less monthly mortgage and interest. 2. I once did the calculation. With a mortgage interest of 1.47% p.a, for every £10,000 additional deposit your monthly mortgage repayment reduces by only £40. So, an additional £30,000 only equals £120 monthly mortgage difference. Think of an alternative investment option.
It’s worth considering that whilst a smaller deposit doesn’t change your monthly payments massively, if property prices fall it puts you in a riskier position and can make selling on in the future a lot trickier if you end up in a negative equity situation! I worked in finance during the last financial crash and saw a lot of people caught out by that.
Brogan Tate I’m super risk-averse, it’s a bit of a standing joke with friends and family 😆 we bought last year and could have technically afforded a property twice the price of the one we bought, but having as much equity in the property (especially with Brexit and the financial uncertainty surrounding that) was important to us. If something catastrophic goes wrong with the house (touch wood it doesn’t) we can always borrow it back, and if we need to switch to interest only to reduce payments (again, touch wood we don’t have to!) then we have that option due to the lower loan to value. We were also able to fix our rate for longer in case rates shoot up, which gives us some peace of mind. And we were able to borrow over a shorter term. Lots of benefits to putting down a bigger deposit 😊
@@bettyboothroyd1 Whilst a larger deposit is beneficial, if someone decides to place the money that they earn into a mortgage from the get go instead of saving for a larger sum, it is equivalent in terms of method. (Would be a more passive approach but I think it is effective for some who find it hard to take initiatives) Although the larger the deposit, the lesser amount of time will be required to pay off the property and in turn the total amount paid in total after fully repaying it when taking into account interests rates as you stated. As a more passive individual, I would be glad to able to start the ball rolling or fill a pot and working on it as I go.
Ahh this was a good video! I’m going to be buying alone in a year or so, and the thought of moving and buying a house feels overwhelming to me haha. This was informative! Xx
Well done I'm currently renovating our first home and it's exactly as you have explained...so happy to share this moment with my beautiful wife and yes we look at each other and say this is ours..and we have a dog that is a part of the family now..Well done and only the best to you guys..take care God bless
We bought our first house 2 years ago, the bigger deposit thing also blew my mind 🤯. We also didn't really tell anyone apart from our parents and it was so nice not having people asking about it all the time! Luckily it was pretty smooth sailing but I can imagine it would be horrible if it all fell through ☹. I also hand delivered all the documents to our solicitors and I feel it sped up the process, and I could also solve any issues there and then instead of having to wait. Super video with super tips ❤💙💚
These are great tips!!! I've bought and sold seven houses in my lifetime and you've hit the important things! Congratulations on your year of home ownership!!! 😍😍😍 Yes, you should absolutely be proud of yourselves!!! Great job!!! 👍👍👍 Continued love and health from across the pond!!! 💜💜💜
Great tips! Congrats on your new home! Although mortgages is not something I thought about, especially when I am still in education, I decided to look into it and research (mainly due to the family). Hearing that you are in your mid twenties are achieving this feat (or some call it positive debt XD) is quite inspiring! I am a few years younger but these things are never too early to start, it is a positive commitment after all. The "having a current property, spent amounts to renovate but still have plans for the future home when capable" is a mood. My aim is to mainly take the first step and slowly build my way towards that future house goal. Setting the ground early means I will be motivated which is a good thing!
As always this was such a lovely video to watch Brogan :) I was so happy to see this notification, it's good to hear about your experience as a first time home buyer, even though I'm not due to buy a house for at least another couple years! Glad to see you thriving, hope to see other new videos and vlogs soon :) xoxo
We have been in our house two weeks now. It took us over a year to get it. It was the 25th house we viewed and the 6th one we offered on. Ended up getting a repossession that needed a lot of love but we've completely turned it around and we love it now!
Found this beneficial. It’s funny you mentioned about the fact that there is no much difference in making 5% or 10% deposit as it’s something I discovered yesterday
Thanks for such a great video... I'm in the middle of buying my first house, on my own sadly, and it has been taking forever but finally had mortgage offer approved and now things are starting to move on!
One thing I've learnt is that if you simply have two incomes, no point using a broker. You can go direct and get the same deals. They won't get special rates that you can't get yourself. Infact the broker we went with didn't even find the best deal for us. They were supposedly whole market too.
I love your video, thank you! We are also in the process of buying our first home, we’re currently just over 2 months in & at that ‘waiting’ stage! We so hope we’re in before Christmas 🎄 going to go back and watch your older videos to get some inspiration!
im going through the process of buying a house right now and I've actually found it really stressful my solicitor has been great but my mortgage advisor has been terrible he's so unorganised and he's the reason for the stress tbh feel like as a first time buyer there just isn't enough support from my personal experience.
I think the scheme that the government laid out may have contributed to an increase in workload for those whose profession is in this field. Although organisation should be imperative when they received a request or contract to be honest, especially if they could only WFH. Hope all went smoothly in the end! I am considering doing so by myself so it would be cool to hear your experience!
As someone who is 18 and going to look at buying early next year this has really helped - I imagine the process will be more tricky due to banks/age but this will help me this other obstacles!! X
Hearing people managing this feat 20 years ago (current 40 year olds) was shocking in itself, but seeing it happening now is also a pleasant surprise. I am considering it but I assume my main obstacle will be deposit and possibly the income/show you can pay your bills on time eventhough I have had rented for 3 years now. How has your adventure been? I assume it is likely easier if it was a property from the midlands and northwards.
Me and my boyfriend are currently in the process of finding a house. It's overwhelming the amount that needs to be done but deffo exciting!! Your videos are so helpful and we are noting down all your tips! Thanks Brogan :) x
Something that isn’t mentioned is if you buy a new build or newish house/flat a service charge is added on which some estate agents /or sellers don’t mention 😔. So always ask when viewing a property not waiting until you receive the survey .
Can't believe it's been a year already from when you got your keys! These are great tips, we are second time buyers having literally just accepted an offer on the flat we bought 4 and a half years ago, and are off house hunting on Saturday. Selling and buying is a whole new ball game! Xx
Congrats!! I’m not sure I’m ready for that experience haha, but nows the time with the stamp duty scraped! Wishing you the best with your love my lovely! xx
Thank you!! The stamp duty holiday is a huge factor to doing it now (and the fact we're having a baby in Feb - nothing like doing the two most stressful things at the same time 😅) Your house related content is so useful, I wish I'd had it when we were first time buyers xx
People generally have two options when it comes to where they live and ultimately call home. One is to rent a home that someone else owns and the other is to purchase a home to own themselves. There is no correct or incorrect choice when it comes to the decision of whether to rent or own a home. Because buying a home is an enormous investment for most people, people mustn't rush into a hasty decision. Instead, they will want to make a well-thought-out decision based on their personal circumstances. Great video! It was informative and is a really helpful video. Thanks for your information.
Not sure of the rules in the UK.. but I think you can. If you can get a mortgage where you can payoff the loan early, you can save A LOT on the interest you are paying. Especially at the begining of the loan, if you make extra payments. Good tip on buying things and opening/installing items... We bought tiles.. by the time we installed them.. 7/8 years later 😁 ... They really had gone out of style... We could of installed them.. but got new ones. We did donate the old ones in the end. Work Never ends... We lived in a house for 14 years and never really stopped working on it... We could of.. but kept wanting to do updates ourselves. We were working on it even until the night before the 1st showing (sale)!! 😁
For our mortgage, we are able to pay an extra 10% off per year which will definitely help, but it’s not on ALL mortgages! Oh wow!! Everything is such a real learning experience xx
Me and my boyfriend are currently saving for a house looking to hopefully get one before 2022 that is our aim but if not then that’s fine. This has really helped me thankyou Brogan❤️
We bought our first flat about 45 years ago then our first new house 5 years later we are currently in our third house which we have lived in for about 35 years it was a old house which needed everything done to it but like you we enjoyed taking our time we are redecorating the rooms for the second time now it's nice to refresh them change colours and designs ect we will be downsizing next this will be the last one as there is only 2 of us, good luck with everything you and benji do for the future xxx
Hey Brogan! I’m still dreaming of my future house. Your videos are always helpful and it’s great advice. I saved this one as well as the mortgage one so that when I’m ready to start that process, I know who I’m turning to first. Lots of love to you & Benji!
Just had an offer accepted on our first place!!! Would agree will all except the bigger deposit, unfortunately with Covid Lenders are no longer accepting anything less then a 15% deposit for first time buyers☹️. So at the moment bigger deposit is better at the moment!
Congrats!! Ah yes, this is true. Does it still apply if you compare 15% and 20% do you know? Either way, that’s a shame about the bigger deposit now, but amazing you’re buying! I know some people are benefiting from no stamp duty right now so some pros and cons I guess!
It's worth noting that due to the pandemic, a lot of mortgage lenders are tightening up their requirements and have taken a lot of products off the market. Thereby making it very difficult for a lot of people to get a mortgage especially first time buyers. As Brogan said, speak to a mortgage broker, your bank, basically anyone financially qualified to give you advice about the current state of the housing/mortgage market.
Cannot wait for this moment to be sat in my little home! 🥰 currently in the process. Cant wait to do a family tour and have family stay over when all this is over!
We’ve been in our house a just over year now too and totally share your excitement! I’m glad it’s not just us that do the whole ‘we own this house’ thing still 😂 sometimes it feels silly, but we’re totally proud too and still get so excited about it all - even a year on! 💖
a 0.4% difference in interest rate, could mean an extra £4000-6000 interest across 5 years, so I would recommend going for the highest deposit, unless you plan to have other loans ( like buying car on loan, solar on loan etc) as any other loan will be an higher interest rate. but if you arent planning in getting anything on credit after buying the house, go as high as you can
Absolutely loved this video! You helped put into words many of the feelings my wife and I have been having these past few months in our new(and first) home.
Loved this video and some really good tips. My boyfriend and I are just saving for the last bit of our deposit and hopefully buying somewhere next year 🤞 thanks for sharing 😊 x
Congratulations on your key anniversary!We bought our first house in May this year. Our biggest recommendation to anyone looking to buy would be to get a mortgage advisor. Ours was fantastic, and project managed the whole process and took so much of the stress out of it. Best of luck to everyone starting this journey 😊🏡
Ahh I really enjoyed this. The first video I watched of yours was the one where you were giving tips of the process etc. and I've been binge watching your videos ever since! We have had some house disappointments through the pandemic but I know it can be done and your videos give me some hope so thank you! X
Wish I had seen this video before we bought our house, so helpful 😫 this was really helpful! We bought our first property recently and it was such a wild experience...
wow has it really been a whole year for you both . 3 years next month i moved into my home near the sea as i needed bigger space and i've finally got it how i like it as i was forever changing my mind on things x
Thank you so much for this video. My boyfriend and I recently got the keys for our first house together and watching this has made me so excited to get started on it and make it our own. We have found a few things stressful but this video has reassured me that some things will be hard but it’s an amazing experience overall and I can’t wait ☺️
I was all ready to buy my house a few months ago and found one I really liked, then my circumstances changed (in a good way! 💍) and now I’m not buying one, but I still enjoyed watching this very much 😂 and totally agree on all your points! Xxx
Love your videos Brogan! I am currently in the process of buying a house. One thing I would highlight is to make sure a survey is done. Our mortgage adviser said it wasn't necessary but having spoken to a lot of people it really is. Helps to avoid expensive and unwanted surprises in the future!
Hiring a building surveyor to check the property out fully before signing? I wonder if the seller is obligated to do that or it is something that can only be done after purchase. (which is also good for when the property is going to be sold to another buyer, lower renovation and maintenance for energy efficiency related things )
Aww, Happy 1st house Anniversary!! I have loved watching you fix it up and make it yours. You are totally right in the fact that you will never be finished, but that's the fun of it. I wish you many happy years there!!
Fab video me and my other half are doing a house up at the min going slow but getting there we also have a join account for are bills it soo much easier keep safe xx
Ah Brogan I love this!!!! =) I genuinely love watching people buy houses/flats and do them up and talk about them! So exciting! I doubt I'll ever own my own place so I love to live vicariously through other people who can!!! =) Such an amazing stage for you to be at and I've followed you since the beginning, so to see you here now genuinely makes me so happy for you! (& Benji!) Congrats on 1 year! That's crazy! Sarah xoxo
How much did you pay for the whole process before moving in . What is the cost for all the people preparing the documents and so on. I love the video . Thanks :)
Helpful video! We are in the process of buying our first home together which is a new build and it’s my dream home! Completion date is 18th December so hoping to be in for Christmas! We just sale agreed on my fiancé’s apartment yesterday so the ball is rolling!
Great video! We’re in the middle of buying our house now and it’s been an endless stream of signing stuff. We live in Japan and are buying in the States and the time difference alone is a huge challenge. We have our “closing” next week and our daughter is our representative. With COVID restrictions I don’t know when we’ll even actually be able to see it in person. We made the decision via FaceTime. It’s been a lot!
We moved in straight away and we've been in nearly 2 years, we are almost finished but it's been such a hard slog, we've got one more bathroom to replace and the converted garage to decorate and a patio to replace and then we are done! I feel like I want to start again though like the lounge is now nearly 2 years on and needs an update haha! Love this video xx
Love this kind of vlog, I agree with all of it, we’ve just moved into our ‘forever home’ and we still have wishlists of things we would love, your home is always evolving! Love it! 🏠 great Vlog as always xxxx
We are currently in the process of buying our first home which is a new build so we can definitely relate to having to wait!!! Great video, we both enjoyed this, thanks! Xx
I just came across your video on Bournemouth where you live,I have been there just the once its such a Beautiful place ,I could actually see myself living there ,looks quite flat as well although Im sure it has its slopes and hills, I just think it would be good for me as a disabled person, although not in a wheelchair I find getting around hard ,Chippenham in Wiltshire where I live is an absolute nightmare for disabled people
I'm currently buying a house and I found your channel by looking for house renovation content! Hopefully I'll be exchanging in the next few weeks. It's so stressful but hopefully so worth it!
Great advice to try and keep things private. Me and my boyfriend house buying was feb-Sept for one property.Got one week away from completion and the sellers withdrew.. devastated didn't even come close :( and we lost a lot of money. And was a pain the arse having to tell everyone the story x
I'm currently saving up to buy a house independently. I'm 25 years old. With the way things are with interest rates and inflation at the moment, I am holding off while saving for a couple years. I'm saving £900 per month, and I aim to save around £20-25k total, and I definitely want a place that needs some work, so I can make it my own. Please wish me luck!
Congratulations on it being a year! That’s gone by so quick! Loved this video and so helpful and also lovely to hear all your experiences with it! Ps- you look so gorgeous! Xx
Put an offer in on my first flat last month so starting the process. I am buying in Scotland which is more straight forward than England. It is quiet at the moment while they work on my mortgage but guess it will be all go in a few weeks!
Hi Brogan! Do you have your mortgage broker that you can share please? I haven’t met one that would answer all my queries so would appreciate if you can share!!
Excited to watch this! I’ve been thinking for a while now about my future and the possibility of buying my own house. I know the help to buy scheme has ended now but I’ve noticed people mention a LISA, I’ve looked on the websites of different banks and most of them just explain what a LISA is, a lot of banks state they don’t do them which is frustrating. I do have a savings account though. I currently live with my dad at the moment. We go halfers on the bills etc and I have my own car so I pay for things that come with that too, which is fine, of course. I do try to limit ‘treating’ myself but let’s be honest, it’s good to have treats sometimes, right? I make sure I’m putting some money into my savings and I don’t touch that money. I’m not going to lie the future does scare me a little bit. I really do hope I get my own house some day and I hope I’m happy🥰 Enjoy the rest of your week and have a good weekend!🥰🌟
Brogan Tate yeah one of them laws that will rarely be enforced but if you have a curtain twitcher neighbour it gives em an excuse complain. www.salford.gov.uk/parking-roads-and-travel/footpaths-and-pavements/dropped-kerbs-car-access-to-properties/
Let me know if you’re buying a house or this has helped 🤗
I have actually used the mortgage broker you mentioned and got my fist house . Thanks so much for that . I will be filming a video on how I managed to get a house in the future
Currently speaking to a mortgage broker. I’m so impulsive and trying to get documents from my accountants etc is so time consuming and this is before I can start looking at what I can afford! Also for anyone ‘young’ and your friends think it’s funny to send you money using a reference like ‘sex toys’ or ‘drug money’. It’s not funny when you’re trying to adult 😭😫
Who was your broker 😭🙏🏿
Im buying a house either end of the year or start of 2023 and this helped alot! X
We completed last Friday!!:D
This is the BEST advice ever!! 3 years on from you posting this and still relevant and so useful!!! My husband and I are hoping to buy within the next year so thank you for posting this video xx
We bought our first house in the middle of September and the pinch me moments are so real! We moved straight in on completion and haven't done any redecorating yet, but the first time we fixed something to the wall it felt almost illegal after years of renting 😂
Congrats!! Oh my god yes, Benji just screwed something on the wall tonight and I felt like it was wrong but their our walls, hahah!!
We’ve Litterally just moved into our first house this week after renting for 2 years! cannot wait to show everyone 🤞🏻
Congrats!! The best feeling!!
What’s better renting or buying a house and what are the pros and cons of it
Bigger deposit means you would pay a hell of a lot less over the length of the mortgage as interest is amortised over the life time you have it.
That’s definitely something you have to weigh up, but our mortgage broker did the maths and said it was better for us personally to keep our deposit lower. I know that won’t work for everyone though!
Brogan Tate yeah. We went with 5 percent
I imagine it works more in the brokers interest to suggest a lower deposit as they work from commission so the larger the mortgage the more they make but it’s whatever works for the individual/s really! :)
You are both right.
1. Bigger deposit means less monthly mortgage and interest.
2. I once did the calculation. With a mortgage interest of 1.47% p.a, for every £10,000 additional deposit your monthly mortgage repayment reduces by only £40. So, an additional £30,000 only equals £120 monthly mortgage difference. Think of an alternative investment option.
It’s worth considering that whilst a smaller deposit doesn’t change your monthly payments massively, if property prices fall it puts you in a riskier position and can make selling on in the future a lot trickier if you end up in a negative equity situation! I worked in finance during the last financial crash and saw a lot of people caught out by that.
That’s a totally fair comment, its definitely a risk you take when purchasing property, regardless of how much deposit you put down
Brogan Tate I’m super risk-averse, it’s a bit of a standing joke with friends and family 😆 we bought last year and could have technically afforded a property twice the price of the one we bought, but having as much equity in the property (especially with Brexit and the financial uncertainty surrounding that) was important to us. If something catastrophic goes wrong with the house (touch wood it doesn’t) we can always borrow it back, and if we need to switch to interest only to reduce payments (again, touch wood we don’t have to!) then we have that option due to the lower loan to value. We were also able to fix our rate for longer in case rates shoot up, which gives us some peace of mind. And we were able to borrow over a shorter term. Lots of benefits to putting down a bigger deposit 😊
@@bettyboothroyd1 Whilst a larger deposit is beneficial, if someone decides to place the money that they earn into a mortgage from the get go instead of saving for a larger sum, it is equivalent in terms of method. (Would be a more passive approach but I think it is effective for some who find it hard to take initiatives) Although the larger the deposit, the lesser amount of time will be required to pay off the property and in turn the total amount paid in total after fully repaying it when taking into account interests rates as you stated. As a more passive individual, I would be glad to able to start the ball rolling or fill a pot and working on it as I go.
Property prices won't fall. People always talk about it happening, but they've done nothing but go up. Small deposit is the way forward.
Ahh this was a good video! I’m going to be buying alone in a year or so, and the thought of moving and buying a house feels overwhelming to me haha. This was informative! Xx
I will be on WhatsApp whenever you need me for support!! So excited for you xx
We completed last Friday :) so exciting making our house a home!!
My boyfriend and I just paid our deposit today on our first house and are so close to completion. We cannot wait 🙌 💖
Congrats!! How exciting!! Xx
Well done I'm currently renovating our first home and it's exactly as you have explained...so happy to share this moment with my beautiful wife and yes we look at each other and say this is ours..and we have a dog that is a part of the family now..Well done and only the best to you guys..take care God bless
We bought our first house 2 years ago, the bigger deposit thing also blew my mind 🤯. We also didn't really tell anyone apart from our parents and it was so nice not having people asking about it all the time! Luckily it was pretty smooth sailing but I can imagine it would be horrible if it all fell through ☹. I also hand delivered all the documents to our solicitors and I feel it sped up the process, and I could also solve any issues there and then instead of having to wait. Super video with super tips ❤💙💚
Sounds like a similar experience to us!! It’s such an amazing achievement and feeling. Thanks so much for watching and commenting xx
These are great tips!!! I've bought and sold seven houses in my lifetime and you've hit the important things! Congratulations on your year of home ownership!!! 😍😍😍 Yes, you should absolutely be proud of yourselves!!! Great job!!! 👍👍👍 Continued love and health from across the pond!!! 💜💜💜
Great tips! Congrats on your new home!
Although mortgages is not something I thought about, especially when I am still in education, I decided to look into it and research (mainly due to the family). Hearing that you are in your mid twenties are achieving this feat (or some call it positive debt XD) is quite inspiring! I am a few years younger but these things are never too early to start, it is a positive commitment after all. The "having a current property, spent amounts to renovate but still have plans for the future home when capable" is a mood. My aim is to mainly take the first step and slowly build my way towards that future house goal. Setting the ground early means I will be motivated which is a good thing!
As always this was such a lovely video to watch Brogan :) I was so happy to see this notification, it's good to hear about your experience as a first time home buyer, even though I'm not due to buy a house for at least another couple years! Glad to see you thriving, hope to see other new videos and vlogs soon :) xoxo
Thank you Caroline, that’s so kind! xx
Great content, thank you for the helpful video. You and your partner deserve to enjoy your home. You sound so humble ☺️xx
We have been in our house two weeks now. It took us over a year to get it. It was the 25th house we viewed and the 6th one we offered on. Ended up getting a repossession that needed a lot of love but we've completely turned it around and we love it now!
Wow! What a story! How exciting. Congrats!
Found this beneficial. It’s funny you mentioned about the fact that there is no much difference in making 5% or 10% deposit as it’s something I discovered yesterday
Thanks for such a great video... I'm in the middle of buying my first house, on my own sadly, and it has been taking forever but finally had mortgage offer approved and now things are starting to move on!
One thing I've learnt is that if you simply have two incomes, no point using a broker. You can go direct and get the same deals. They won't get special rates that you can't get yourself. Infact the broker we went with didn't even find the best deal for us. They were supposedly whole market too.
I love your video, thank you! We are also in the process of buying our first home, we’re currently just over 2 months in & at that ‘waiting’ stage! We so hope we’re in before Christmas 🎄 going to go back and watch your older videos to get some inspiration!
im going through the process of buying a house right now and I've actually found it really stressful my solicitor has been great but my mortgage advisor has been terrible he's so unorganised and he's the reason for the stress tbh feel like as a first time buyer there just isn't enough support from my personal experience.
Did it go ok in the end? Hopefully you're happy now living in your own place:)
I think the scheme that the government laid out may have contributed to an increase in workload for those whose profession is in this field. Although organisation should be imperative when they received a request or contract to be honest, especially if they could only WFH. Hope all went smoothly in the end! I am considering doing so by myself so it would be cool to hear your experience!
I'm in the process of buying a flat for myself and already agree with so many of these points! Cannot wait to get a completion date 😁
Congrats Sam! Fingers crossed for you! 🙌🏠
As someone who is 18 and going to look at buying early next year this has really helped - I imagine the process will be more tricky due to banks/age but this will help me this other obstacles!! X
Could I ask you a question if you don’t mind. How have you saved up enough? Any tips?
Hearing people managing this feat 20 years ago (current 40 year olds) was shocking in itself, but seeing it happening now is also a pleasant surprise. I am considering it but I assume my main obstacle will be deposit and possibly the income/show you can pay your bills on time eventhough I have had rented for 3 years now. How has your adventure been? I assume it is likely easier if it was a property from the midlands and northwards.
Me and my boyfriend are currently in the process of finding a house. It's overwhelming the amount that needs to be done but deffo exciting!! Your videos are so helpful and we are noting down all your tips! Thanks Brogan :) x
First, yay! Absolutely loved this video & appreciate this kind of content!❤️
Thank you Shiv! x
when you said at the end you were getting teary, I burst into tears because I'm so happy for you both. such a special thing for two special people.
Thank you ❤️
Something that isn’t mentioned is if you buy a new build or newish house/flat a service charge is added on which some estate agents /or sellers don’t mention 😔. So always ask when viewing a property not waiting until you receive the survey .
I don't normally comment on videos but this was lovely!
Can't believe it's been a year already from when you got your keys! These are great tips, we are second time buyers having literally just accepted an offer on the flat we bought 4 and a half years ago, and are off house hunting on Saturday. Selling and buying is a whole new ball game! Xx
Congrats!! I’m not sure I’m ready for that experience haha, but nows the time with the stamp duty scraped! Wishing you the best with your love my lovely! xx
Thank you!! The stamp duty holiday is a huge factor to doing it now (and the fact we're having a baby in Feb - nothing like doing the two most stressful things at the same time 😅) Your house related content is so useful, I wish I'd had it when we were first time buyers xx
Thank you for being so positive
People generally have two options when it comes to where they live and ultimately call home. One is to rent a home that someone else owns and the other is to purchase a home to own themselves. There is no correct or incorrect choice when it comes to the decision of whether to rent or own a home. Because buying a home is an enormous investment for most people, people mustn't rush into a hasty decision. Instead, they will want to make a well-thought-out decision based on their personal circumstances.
Great video! It was informative and is a really helpful video. Thanks for your information.
Not sure of the rules in the UK.. but I think you can. If you can get a mortgage where you can payoff the loan early, you can save A LOT on the interest you are paying. Especially at the begining of the loan, if you make extra payments.
Good tip on buying things and opening/installing items... We bought tiles.. by the time we installed them.. 7/8 years later 😁 ... They really had gone out of style... We could of installed them.. but got new ones. We did donate the old ones in the end. Work Never ends... We lived in a house for 14 years and never really stopped working on it... We could of.. but kept wanting to do updates ourselves. We were working on it even until the night before the 1st showing (sale)!! 😁
For our mortgage, we are able to pay an extra 10% off per year which will definitely help, but it’s not on ALL mortgages!
Oh wow!! Everything is such a real learning experience xx
My boyfriend and I are currently trying to move out and the whole process has me in tears most days 😂😭 thank you so much for this!
Oh no!! I hope you are able to get the support you need ❤️
Brogan Tate luckily, I think we’ve found the one!!! Keeping everything crossed!
Loved this video! We bought our house 9 months ago and it was the best thing we ever did! Its been hard but so amazing! 💕
Congrats Rachel, yes! xx
Me and my boyfriend are currently saving for a house looking to hopefully get one before 2022 that is our aim but if not then that’s fine. This has really helped me thankyou Brogan❤️
This was so good to know! Me and my boyfriend been together 6 years and currently want to start looking for a our own place! We’re so excited 🥰
We bought our first flat about 45 years ago then our first new house 5 years later we are currently in our third house which we have lived in for about 35 years it was a old house which needed everything done to it but like you we enjoyed taking our time we are redecorating the rooms for the second time now it's nice to refresh them change colours and designs ect we will be downsizing next this will be the last one as there is only 2 of us, good luck with everything you and benji do for the future xxx
Hey Brogan! I’m still dreaming of my future house. Your videos are always helpful and it’s great advice. I saved this one as well as the mortgage one so that when I’m ready to start that process, I know who I’m turning to first. Lots of love to you & Benji!
Thank you a million for this video. Very enlightening.
Just had an offer accepted on our first place!!! Would agree will all except the bigger deposit, unfortunately with Covid Lenders are no longer accepting anything less then a 15% deposit for first time buyers☹️. So at the moment bigger deposit is better at the moment!
Congrats!! Ah yes, this is true. Does it still apply if you compare 15% and 20% do you know? Either way, that’s a shame about the bigger deposit now, but amazing you’re buying! I know some people are benefiting from no stamp duty right now so some pros and cons I guess!
Not sure if it still applies, we are buying on London so 15% was a mega stretch didn’t even ask about 20%😂
It's worth noting that due to the pandemic, a lot of mortgage lenders are tightening up their requirements and have taken a lot of products off the market. Thereby making it very difficult for a lot of people to get a mortgage especially first time buyers. As Brogan said, speak to a mortgage broker, your bank, basically anyone financially qualified to give you advice about the current state of the housing/mortgage market.
Cannot wait for this moment to be sat in my little home! 🥰 currently in the process. Cant wait to do a family tour and have family stay over when all this is over!
I am in the process of buying and the waiting part is definitely the part I hate. Can’t wait to pick up my keys soon. Thank you for the tips🤗
Congrats!! How exciting. Tell me about it - It feels like you have to wait ages ❤️
Thank you Brogan for sharing. We are currently in the process of buying our first house and have been rewatching your house buying videos 😊 x
Thank you! Eeek so exciting! Congrats! xx
We’ve been in our house a just over year now too and totally share your excitement! I’m glad it’s not just us that do the whole ‘we own this house’ thing still 😂 sometimes it feels silly, but we’re totally proud too and still get so excited about it all - even a year on! 💖
Yes!! I love it 🥰🙌
a 0.4% difference in interest rate, could mean an extra £4000-6000 interest across 5 years, so I would recommend going for the highest deposit, unless you plan to have other loans ( like buying car on loan, solar on loan etc) as any other loan will be an higher interest rate. but if you arent planning in getting anything on credit after buying the house, go as high as you can
Absolutely loved this video! You helped put into words many of the feelings my wife and I have been having these past few months in our new(and first) home.
Loved this video and some really good tips. My boyfriend and I are just saving for the last bit of our deposit and hopefully buying somewhere next year 🤞 thanks for sharing 😊 x
My husband and I are closing on our first house next week! I loved watching your moving and reno vlogs, I'll have to give them a rewatch :)
Congratulations on your key anniversary!We bought our first house in May this year. Our biggest recommendation to anyone looking to buy would be to get a mortgage advisor. Ours was fantastic, and project managed the whole process and took so much of the stress out of it. Best of luck to everyone starting this journey 😊🏡
Ca you say which mortgage broker you used?
Very nice one . Really helpful. Thank you so much.
Ahh I really enjoyed this. The first video I watched of yours was the one where you were giving tips of the process etc. and I've been binge watching your videos ever since! We have had some house disappointments through the pandemic but I know it can be done and your videos give me some hope so thank you! X
Thank you so much! Wishing you the best Nadia!! x
Going to be buying next year with my boyfriend! This video, and your previous one, so helpful and informative! Thank you!!
Wish I had seen this video before we bought our house, so helpful 😫 this was really helpful! We bought our first property recently and it was such a wild experience...
Ah, thank you! Congrats on becoming a Home Owner!
wow has it really been a whole year for you both . 3 years next month i moved into my home near the sea as i needed bigger space and i've finally got it how i like it as i was forever changing my mind on things x
Thanks Rachael. Ahh yes, I know that feeling! x
We’ve just had a offer accepted now waiting for the bank to their valuation! Fingers cross it will be all systems go :) thanks for the tips xx
whats a good percentage of income to spend on the mortgage ?
Thank you so much for this video. My boyfriend and I recently got the keys for our first house together and watching this has made me so excited to get started on it and make it our own. We have found a few things stressful but this video has reassured me that some things will be hard but it’s an amazing experience overall and I can’t wait ☺️
Congrats! How exciting! 100% xx
Amazing advice, thank you for this! Me and my boyfriend are currently saving for a house and we're very excited!
Yay! You’re welcome! So glad I could help xx
I was all ready to buy my house a few months ago and found one I really liked, then my circumstances changed (in a good way! 💍) and now I’m not buying one, but I still enjoyed watching this very much 😂 and totally agree on all your points! Xxx
Love your videos Brogan! I am currently in the process of buying a house. One thing I would highlight is to make sure a survey is done. Our mortgage adviser said it wasn't necessary but having spoken to a lot of people it really is. Helps to avoid expensive and unwanted surprises in the future!
Hey Lucy what sort of survey? thanks in advance
Hiring a building surveyor to check the property out fully before signing?
I wonder if the seller is obligated to do that or it is something that can only be done after purchase. (which is also good for when the property is going to be sold to another buyer, lower renovation and maintenance for energy efficiency related things )
Excellent! So excited for you and Benji! What a great video!
What colour of paint did u use on the walls behind you? Thank you 😁
I love your personality. Thanks for sharing.
This was a great video & really useful tips. It’s amazing how far you & Benji have come with the house.😀
Aww, Happy 1st house Anniversary!! I have loved watching you fix it up and make it yours. You are totally right in the fact that you will never be finished, but that's the fun of it. I wish you many happy years there!!
Thank you Stacy! It really is!
Fab video me and my other half are doing a house up at the min going slow but getting there we also have a join account for are bills it soo much easier keep safe xx
Ah Brogan I love this!!!! =) I genuinely love watching people buy houses/flats and do them up and talk about them! So exciting! I doubt I'll ever own my own place so I love to live vicariously through other people who can!!! =) Such an amazing stage for you to be at and I've followed you since the beginning, so to see you here now genuinely makes me so happy for you! (& Benji!)
Congrats on 1 year! That's crazy!
Sarah xoxo
Thank you so much Sarah, your support over all these years means so much to me. I appreciate it more than you know! Big love xxx
How much did you pay for the whole process before moving in . What is the cost for all the people preparing the documents and so on. I love the video . Thanks :)
Helpful video! We are in the process of buying our first home together which is a new build and it’s my dream home! Completion date is 18th December so hoping to be in for Christmas! We just sale agreed on my fiancé’s apartment yesterday so the ball is rolling!
Congrats!! How exciting!! I hope it all goes well Emma xx
Great video! We’re in the middle of buying our house now and it’s been an endless stream of signing stuff. We live in Japan and are buying in the States and the time difference alone is a huge challenge. We have our “closing” next week and our daughter is our representative. With COVID restrictions I don’t know when we’ll even actually be able to see it in person. We made the decision via FaceTime. It’s been a lot!
Loved this video and your tips! My boyfriend and I have just bought our first home together and this is so helpful! 💕
Thank you! Congrats lovely!! xx
i'm looking for a solicitor actually , would you please recommend a solicitor firms please ?
Thank you for making this video much appreciate it
This is so cute and helpful
We moved in straight away and we've been in nearly 2 years, we are almost finished but it's been such a hard slog, we've got one more bathroom to replace and the converted garage to decorate and a patio to replace and then we are done! I feel like I want to start again though like the lounge is now nearly 2 years on and needs an update haha! Love this video xx
Love this kind of vlog, I agree with all of it, we’ve just moved into our ‘forever home’ and we still have wishlists of things we would love, your home is always evolving! Love it! 🏠 great Vlog as always xxxx
Such a lovely video and very helpful tips! So glad you love your home!xxxx
Thank you Joanne!! Xx
We are currently in the process of buying our first home which is a new build so we can definitely relate to having to wait!!! Great video, we both enjoyed this, thanks! Xx
Yay! You’re welcome! That’s so much for watching. Congrats on buying your first home, hope it goes really well!! xx
I just came across your video on Bournemouth where you live,I have been there just the once its such a Beautiful place ,I could actually see myself living there ,looks quite flat as well although Im sure it has its slopes and hills, I just think it would be good for me as a disabled person, although not in a wheelchair I find getting around hard ,Chippenham in Wiltshire where I live is an absolute nightmare for disabled people
Who is your mortgage advisor? Thank you x
I'm currently buying a house and I found your channel by looking for house renovation content! Hopefully I'll be exchanging in the next few weeks. It's so stressful but hopefully so worth it!
Great advice to try and keep things private. Me and my boyfriend house buying was feb-Sept for one property.Got one week away from completion and the sellers withdrew.. devastated didn't even come close :( and we lost a lot of money. And was a pain the arse having to tell everyone the story x
I'm currently saving up to buy a house independently. I'm 25 years old. With the way things are with interest rates and inflation at the moment, I am holding off while saving for a couple years. I'm saving £900 per month, and I aim to save around £20-25k total, and I definitely want a place that needs some work, so I can make it my own. Please wish me luck!
Congratulations on it being a year! That’s gone by so quick! Loved this video and so helpful and also lovely to hear all your experiences with it! Ps- you look so gorgeous! Xx
Thank you for this video Brogan, I plan to buy my own property within the next few years so this will be super helpful to refer back to!
Yay! You’re welcome Caroline!
thanks for sharing
Hi brogan I love your video thank u for making them x
Brogan great ideas about savings & what to do & what not to do!!!
Thanks for doing this...where is Bonnie??? That beautiful dog!!!
Put an offer in on my first flat last month so starting the process. I am buying in Scotland which is more straight forward than England. It is quiet at the moment while they work on my mortgage but guess it will be all go in a few weeks!
How exciting! Congrats Hilary! Hope it all goes well 🥰
Hi Brogan! Do you have your mortgage broker that you can share please? I haven’t met one that would answer all my queries so would appreciate if you can share!!
Such a great video!! Thank you 🥰
At the tail of buying my first flat 😍 so excited!!
hey, just wondering how long your whole process took? cheers
Excited to watch this! I’ve been thinking for a while now about my future and the possibility of buying my own house. I know the help to buy scheme has ended now but I’ve noticed people mention a LISA, I’ve looked on the websites of different banks and most of them just explain what a LISA is, a lot of banks state they don’t do them which is frustrating. I do have a savings account though. I currently live with my dad at the moment. We go halfers on the bills etc and I have my own car so I pay for things that come with that too, which is fine, of course. I do try to limit ‘treating’ myself but let’s be honest, it’s good to have treats sometimes, right? I make sure I’m putting some money into my savings and I don’t touch that money. I’m not going to lie the future does scare me a little bit. I really do hope I get my own house some day and I hope I’m happy🥰
Enjoy the rest of your week and have a good weekend!🥰🌟
So happy for you and Benji 💜
Thank you for making this video much appreciate it 🙏
I love your videos they are so helpful! 💕
Thanks for all of your amazing advice!
Also it is illegal to access a drive via a non dropped kerb. Not that you’ll be done for it. Our old house we managed for 8 years without one 😁
Really?! When Benji is at work I can go on an angle but I’m hoping we can get it done sooner rather than later 🙌
Brogan Tate yeah one of them laws that will rarely be enforced but if you have a curtain twitcher neighbour it gives em an excuse complain.
www.salford.gov.uk/parking-roads-and-travel/footpaths-and-pavements/dropped-kerbs-car-access-to-properties/