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What To Do When Buying A House
April 14, 2015

What To Do When Buying A House

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...

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The Process of Buying A Property
April 14, 2015

The Process of Buying A Property

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...

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After Buying A House Checklist: Which Are The First Things To Do?
April 13, 2015

After Buying A House Checklist: Which Are The First Things To Do?

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...

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