It's is a beautiful house. Really liked the kitchen cabinets' grey and wood colour combination. Congratulations to the owners. The owner looked genuinely thankful which is good. It's a great achievement to buy a house so quickly. That too a good one.
Anyone can buy a house here if you can put down 5% deposit at least and If you can prove you have enough income to cover the mortgage. The only problem is if you take a mortgage ( house loan) for a large amount and the interest rates jump high, like what is happening now, the mortgage will take up a huge amount of your salary / salaries.
Hi .... Swaroop ..... Happy to see ..... Congratulations Dears .... God Bless with Best Wishes 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏..... Actually this channel is very helpful to everyone
We can buy newly built houses easily. Its like buying a new car. There are many private mortgage lenders who give you the money with high interest rates. And these newly built homes comes with 10year guarantee & it’s obvious nothing will happen in that period. Maintenance and reselling such houses is really painful. 😊
When interest rates are high and If u take loan for 10 yr/15yr period even a small 2 %change will effect u .rates are going to fall in two years this bubble will burst that's historical data says . Inflation eases this will fall like a stone
Help to Buy is no longer available. It was not always good to opt for this scheme because repayments are based on the value of the house. As the house value increases over time the payment back to the scheme also increases correspondingly. So if you opted for 40k help to buy, the capital repayment itself may become 50k if the home increases 25% in value and interest on top of that after 5 years. Not sure everyone knows that. The good thing is that it works in reverse also, if the home falls in value, the capital outstanding also falls by the same percentage. But who buys a house that will fall in value?
It all depends on the economic cycle, I feel this guy would benefit as he bought at the peak, in near future the house price would be dropping,. I expect it to remain in such a situation for next couple of years. Agree with your statement it is not a good idea to buy the house using this scheme.
Anyone can buy house in UK if they have got enough money to put deposit or pay the full amount. In this video they were talking avout help to buy scheme which is not available anymore. This has been replaced by shared ownership and loan to help with cost of building or hiring someone to build. If you don't have enough money to put deposit anyone with less than 3 years of UK address, history will struggle as the banks won't provide mortgages . I am not sure what is the intention of this video because they were not even informing that this option is not available anymore.
Hi Satyetta/anyone, The white prople here do the maintenance and all the works themselves. They have a tool kit like a plumber or electrician. Do we need to learn these? Where can we get the basics? Noone is telling about these maintenance. Obviously we cant do alone like them?
Both have good salary..I think both are nurses..so like this all can buy house in 6 months...or one person need good salary...we also bought new house ..with gods grace...
Really inspiring.. We are also planning for a house. May God Bless all.. We live in bournemouth as my husband have sponsorship here. Is bournemouth worthy property based chetta??
help to buy is a burden or a liability. your repayment is 20% of the total value of the house when you settle the amount. its an equity loan you can not pay in instalments. njan itheduthu pettupoyi. ini valla lottary adikkanam help to buy repayment cheyyan. better not to go for it or keep it as a last option.
"UK വീട് വാങ്ങാൻ വളരെ എളുപ്പം ആണ്😂" നാട്ടിൽ ഇരിക്കുന്നവർ ഇതു കേൾക്കുമ്പോൾ അങ്ങു വിശ്വസിക്കും. ഇവിടുള്ളവർക്കാര്യം അതിന്റെ ബുദ്ധിമുട്ട്. And the fact is "Help to Buy is a trap" അതിൽ അഭപ്രായവ്യത്യാസം ഉണ്ടെങ്കിൽ youtube ഇൽ തന്നെ നോക്കുക. 10% ഇട്ട് വീട് വാങ്ങുക കാരണം അതാണ് Safe& secure.
Thanks for the video😊😊very informative video🥰. God bless u ❤ I got a job in liverpool hospital, and can u please let me know if liverpool is a good place to live ?
Satyan bro This is robin living in Bristol ,just arrived to uk NHS Would get an advice which part of bristol is best to buy a house and also planning to take rental accomodation first after my family comes,will like to get a guidance from you and Mathew sir
Hi Sathyan ,I live in Cardiff,I am planning to bye a home.Can you plz advise me how can I bye a home in Cardiff.Have you got anyone who can support me to buy home in Cardiff.
This depends on the bank. Some like Barclays and Halifax can agree for 10 to 15% LTV, others like Nationwide will ask 25% LTV before ILR. I have gone with Barclays with 25% LTV for 237k house. It is near the city center so expect value to increase, even if I sell the house, I will get back more than my mortgage outstanding because of my 25% deposit. Maximum deposit is always better than minimum. Having a good credit score will help to negotiate smaller deposit if you wish. If not dealing with bank directly, talk to a mortgage adviser who has transparent terms. If you have a good salary it is very easy to get a mortgage, you can take either in single or joint names even if you are married if you want to exclude partner from the mortgage liability.
You only need to have good history of managing credit. The score itself is not an important factor. If you have history of mismanaging credit, mortgage may be hard to get in extreme cases. Mostly they will ask for very high LTV deposit to reduce their risk exposure. If you don't pay the mortgage they will just take away your house and recover their money. Before applying for mortgage ensure that you don't have other unsecured personal loans and unsettled credit card balances. Otherwise they will tend to reduce these balances from the mortgage and add it to the deposit amount. Also don't apply for any further credit products in the past 6 months from applying for mortgage, this may register a hard search on the credit file. Ensure incoming money into your bank account is more than expenses for at least 6 months. Transferring to savings and investments is ok. Just watch the expenses, you should be able to show that you can afford the monthly repayments. If you are new to UK start your credit file by applying for a current account and any credit card. There are many cards for beginners available. Every month end the open balances are updated on Transunion, Equifax and Experian. So make any payments to clear balances at least 3 days before 30th every month. I started like this and now I am proud to say that Barclaycard has approved me a Rewards Credit Card with a very high limit which is very hard to get and I have a sky high credit score in 4 years. Also register asap on the electoral roll and try not to use BNPL products like Klarna or Clearpay. Apply for a LISA like Nutmeg at least 1 year prior to buying home if you are less than 40 years of age, you can contribute 4k annually into this pot, it will become 5k immediately by government boost. Every year you can get free 1k from the government if you put in 4k. On top of this there is interest growth and capital growth. I have held LISA for 3 years and I have gained approx 6k towards my house deposit. I have provided deposit of 25% and remaining mortgage, I am very happy with this. A mortgage is actually easier to get than personal loan or credit card. Not many realize this😁
It's is a beautiful house. Really liked the kitchen cabinets' grey and wood colour combination. Congratulations to the owners. The owner looked genuinely thankful which is good. It's a great achievement to buy a house so quickly. That too a good one.
Congratulations Swaroop & Karuna....💐💐💐💐
congratz swaroop and karuna 😊 I live in Chesterfield and hope and pray to buy a new house in the future here in UK🤞❣
ഒത്തിരി ഇഷ്ടപ്പെട്ടു,
എല്ലാവർക്കും നല്ലതു
വരട്ടെ🌹🌹🌹
Swaroop & karuna... Proud of u dears....🎉🎉best wishes & stay blessed🫂🫂💓💓
Congrats Karuna and Swaroop chettan
The real guidance
We too pray for your Prosperity & Happiness. Wish you the very best.
Very nice❤ , he is actually my senior from Nursing college 😀
Congratulations swaroop..
And good work 👍 u both vloggers doing..
Informative video 👌👌👌
Well done Swaroop👍
God Bless you your Good Future Family life
Sathyan you are absolutely right man 🎉🎉
❤️
Anyone can buy a house here if you can put down 5% deposit at least and If you can prove you have enough income to cover the mortgage.
The only problem is if you take a mortgage ( house loan) for a large amount and the interest rates jump high, like what is happening now, the mortgage will take up a huge amount of your salary / salaries.
Valare upakarikkapedunna oru video.Allathe chilarepole UK yil varunnavare demotivate cheyunnilla.Iniyum orupadu nalla videos pratheeshikkunnu.
Thank you ❤️
Hi .... Swaroop ..... Happy to see ..... Congratulations Dears .... God Bless with Best Wishes 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏.....
Actually this channel is very helpful to everyone
Thank you so much 🙂
We can buy newly built houses easily. Its like buying a new car. There are many private mortgage lenders who give you the money with high interest rates. And these newly built homes comes with 10year guarantee & it’s obvious nothing will happen in that period. Maintenance and reselling such houses is really painful. 😊
Sathian and Mathew very good information thanks
Thank you for watching
Congrats bro 👍👍👌👌
Congrats❤❤
Thank you
Very good information
Thank you for watching ❤️
Super 👏🏼
👍👍👍👍
When interest rates are high and If u take loan for 10 yr/15yr period even a small 2 %change will effect u .rates are going to fall in two years this bubble will burst that's historical data says . Inflation eases this will fall like a stone
Super 👍
ഇതിനൊക്കെ വേണ്ടത് ഒരു നല്ല മനസ്സ് തന്നെയാണ്.😊
❤️
Super
Very informative video... Thank you
God . bless you
Help to Buy is no longer available. It was not always good to opt for this scheme because repayments are based on the value of the house. As the house value increases over time the payment back to the scheme also increases correspondingly. So if you opted for 40k help to buy, the capital repayment itself may become 50k if the home increases 25% in value and interest on top of that after 5 years. Not sure everyone knows that. The good thing is that it works in reverse also, if the home falls in value, the capital outstanding also falls by the same percentage. But who buys a house that will fall in value?
It all depends on the economic cycle, I feel this guy would benefit as he bought at the peak, in near future the house price would be dropping,. I expect it to remain in such a situation for next couple of years. Agree with your statement it is not a good idea to buy the house using this scheme.
😊sathyan chetta . Oru veedu venam rentne onnu help chaiumo
Sachin you are great.
Oru jolikkaayi sremikkunnu nighalkku inghanoru bhaagyam undaayallo thank god bless you all
❤
Ella ചാനലും ഞാൻ കാണാറുണ്ട് എനിക്ക് ഉപകാരമാണ്
Thank you
I was expecting some more details .. video ended up like a home tour. Price, Emi , duration etc.
How much would be the mortgage.
Malayalam culture is " impossibility" saying in "possibility" it's like a Movie best wishes for Poor people
സൂപ്പർ വീട് ❤️
🎉🎉🎉
So beautiful
❤️
Mathew Chethan puliyalla .....::::
Puppuliyaanu 😂❤
Beautiful arrangement
Anyone can buy house in UK if they have got enough money to put deposit or pay the full amount. In this video they were talking avout help to buy scheme which is not available anymore. This has been replaced by shared ownership and loan to help with cost of building or hiring someone to build. If you don't have enough money to put deposit anyone with less than 3 years of UK address, history will struggle as the banks won't provide mortgages . I am not sure what is the intention of this video because they were not even informing that this option is not available anymore.
Hi Satyetta/anyone, The white prople here do the maintenance and all the works themselves. They have a tool kit like a plumber or electrician. Do we need to learn these? Where can we get the basics? Noone is telling about these maintenance.
Obviously we cant do alone like them?
NVQ courses available
Both have good salary..I think both are nurses..so like this all can buy house in 6 months...or one person need good salary...we also bought new house ..with gods grace...
Hi would like to know how much salary needed for a comfortable way of living.
🎉
🎁🏆
Superb ❤
❤❤
Really inspiring.. We are also planning for a house. May God Bless all.. We live in bournemouth as my husband have sponsorship here. Is bournemouth worthy property based chetta??
So happy to know. It’s good and less expensive area
Can you include a detailed vedio including the steps followed to buy the house?
Sure
Video
help to buy is a burden or a liability. your repayment is 20% of the total value of the house when you settle the amount. its an equity loan you can not pay in instalments. njan itheduthu pettupoyi. ini valla lottary adikkanam help to buy repayment cheyyan. better not to go for it or keep it as a last option.
എട്ടുമാസത്തിനകത്ത് ഞങ്ങൾ ഇവിടെ വീണ്ടെടുത്തിട്ടുണ്ട്
ഞങ്ങളും മാത്യൂസ് ചേട്ടൻ വഴി ആണ് വീട് എടുത്തത് . With in 2 years.❤
Contact tharavo?
Can I have the contact details
mathew chettan contactnumber tarumo
Hi please send us contact
God's grace me too got a house key on the exact day of the one year in the Uk. Thanks to Almighty🙏🏻
So happy to know
Who is the builder?
😊
Is it possible if we can contact from edgware ?
Sir dental therapist ayit UK yil varan ulla karyangal oru video cheyamo plzzzz
Ok
Try to keep english sub titiles
"UK വീട് വാങ്ങാൻ വളരെ എളുപ്പം ആണ്😂" നാട്ടിൽ ഇരിക്കുന്നവർ ഇതു കേൾക്കുമ്പോൾ അങ്ങു വിശ്വസിക്കും. ഇവിടുള്ളവർക്കാര്യം അതിന്റെ ബുദ്ധിമുട്ട്. And the fact is "Help to Buy is a trap" അതിൽ അഭപ്രായവ്യത്യാസം ഉണ്ടെങ്കിൽ youtube ഇൽ തന്നെ നോക്കുക. 10% ഇട്ട് വീട് വാങ്ങുക കാരണം അതാണ് Safe& secure.
What about interest 8% now
Sathyante pala video njan kanunud. Ante oru makal care home visayil poyi. Eni oral hospital jolikkayitt pokunnu. Avarkkum ethupole veed vangan pattumo. Atrayanu namukk veettinu kittunna lone. Athra varsham kondu adakkanam. Mathew sarum kudiyulla video allam visadhamakki. Ee family anthanu joli. Stalam Tvm ano. Kuttikale kanan pattiyilla. 2makkal athil padikkunnu. Room adipoli. Eni vendath krishi thottam. God bless you.
Detailed information in next video. Thank you
Jolikuvanna
What is the procedures to follow.. We are from FROME Somerset.. How to do it. Please reply m
Please contact the number in this video
@@sathyian007 thanks
Thanks for the video😊😊very informative video🥰. God bless u ❤
I got a job in liverpool hospital, and can u please let me know if liverpool is a good place to live ?
Thank you. That’s a good place to work and settle
@@sathyian007 thank for your valuable response
Satyan bro
This is robin living in Bristol ,just arrived to uk NHS
Would get an advice which part of bristol is best to buy a house and also planning to take rental accomodation first after my family comes,will like to get a guidance from you and Mathew sir
Bristol is a good place to work and settle. Not an expensive area
Hi..can you give me more information to buy home in redditch area. 3 bed room semi detached. I just finished one year in uk
Please call the number in the video
Hi I would also like to get a house or apartment as I am joining nhs hospital in September could you please tell me what I need to do for that
Please contact the number in this video
Sathyan cheta I am arriving to Lincolnshire this 24 th.likes to have ur help to know about the place
Ok
Sir,how is Lincolnshire
We are looking for a property in Orpington,can Mathew chettan help us with that?
Hi. On a similar note, we are hoping to buy in the London area. Just wanted to understand some mortgage related questions. How can I get in touch?
Monthly ethra payment adakanam? For how many years we have to pay?
We can choose
Ente mole u.k.studiku vannittund norwich
Pls subtitles in English
Nattil ninnu oru veedu uk yilninnu check chythittu yivide avar visiting visa yil vannu veedu vangiyal udane pr kittumo
No
Everything is excellent, which part of UK?
Chesterfield
Rate parayumo
But ellam loan aley.kituna salary muzhuvanum loan kodukaney olu.
no chance ireland 😢
സത്യൻ ഭായ് ഒരു സംഭവമാണ്❤
😎
Number തരാമോ?
പുതിയ വീട് പ്രോപ്പർട്ടി വാങ്ങി വെച്ചതാണോ
Senior care assistant ayi vannavarku igane house mexikan pattumo
Yes
Sathyan Cheta please do mention the name of the place also please....
Chesterfield
Hai sathyan
You know Money box cash isa scheme,,is it good or not...pls give me tha answer.
Good
ഒരു പൈസയും ഇല്ലാത്ത ഒരാൾ
എങ്ങനെ വീട് വാങ്ങും. എനിക് ചരിത്രം ഉറങ്ങുന്ന ആ രാജ്യം കണ്ടാൽ മതി. Sathiattenu thanks.
Hi sir. I live in Birmingham. House buy cheyyan plan cheyyunnund. Can i get your guidance for that? Thanks in advance
Please call the number in the video
@@sathyian007 thank you chetta
Bath il oru veedu vangan patumo advice cheyumo
Please contact the number in the video
What is that process where to start how
Please discuss with a mortgage advisor
Could i buy a home in uk from kerala? as an investment!
Yes. Explained that in previous videos 👍
എന്തൊക്കെ ഉണ്ടേലും നാട് കഴിഞ്ഞെ ഉള്ളു അല്ലേ എല്ലാം
Hi bro👍
Hi
5 percentage deposit cheythu veedu vaanguvan pattumo eppol.
Currently it’s not available, but expecting that scheme again
Mathews chettane contact cheyund engana?
Same number displayed on the video
Hi.7 year 12 year children 2 adult how many room ? Pls details cheta
Three bedroom
Hi Sathyan ,I live in Cardiff,I am planning to bye a home.Can you plz advise me how can I bye a home in Cardiff.Have you got anyone who can support me to buy home in Cardiff.
Sure. Please call the number displayed on this video
Chetta..there is no help to buy now right..so currently what is the required amount of deposit percentage?
Will include more information regarding the current options shortly 👍
At least 25% down payment required
10% after 2 yrs
This depends on the bank. Some like Barclays and Halifax can agree for 10 to 15% LTV, others like Nationwide will ask 25% LTV before ILR. I have gone with Barclays with 25% LTV for 237k house. It is near the city center so expect value to increase, even if I sell the house, I will get back more than my mortgage outstanding because of my 25% deposit. Maximum deposit is always better than minimum. Having a good credit score will help to negotiate smaller deposit if you wish. If not dealing with bank directly, talk to a mortgage adviser who has transparent terms. If you have a good salary it is very easy to get a mortgage, you can take either in single or joint names even if you are married if you want to exclude partner from the mortgage liability.
@@aaacreations6036 wht is rate of interest now? how much EMI for u now ?
👏👏👏👏👏👏💐💐💐👏👏👏👏👌👌👌
I am staying in Glasgow can I get guidance to buy house in Glasgow
Please call the number in the video
Can you let us know the preparation plan.. is credit score not a factor.?
Bank will check your credit score
@@sathyian007 thanks for the info chetta.. if we were to prepare in 6 months, pls share steps to achieve this please
You only need to have good history of managing credit. The score itself is not an important factor. If you have history of mismanaging credit, mortgage may be hard to get in extreme cases. Mostly they will ask for very high LTV deposit to reduce their risk exposure. If you don't pay the mortgage they will just take away your house and recover their money.
Before applying for mortgage ensure that you don't have other unsecured personal loans and unsettled credit card balances. Otherwise they will tend to reduce these balances from the mortgage and add it to the deposit amount. Also don't apply for any further credit products in the past 6 months from applying for mortgage, this may register a hard search on the credit file. Ensure incoming money into your bank account is more than expenses for at least 6 months. Transferring to savings and investments is ok. Just watch the expenses, you should be able to show that you can afford the monthly repayments.
If you are new to UK start your credit file by applying for a current account and any credit card. There are many cards for beginners available. Every month end the open balances are updated on Transunion, Equifax and Experian. So make any payments to clear balances at least 3 days before 30th every month. I started like this and now I am proud to say that Barclaycard has approved me a Rewards Credit Card with a very high limit which is very hard to get and I have a sky high credit score in 4 years. Also register asap on the electoral roll and try not to use BNPL products like Klarna or Clearpay.
Apply for a LISA like Nutmeg at least 1 year prior to buying home if you are less than 40 years of age, you can contribute 4k annually into this pot, it will become 5k immediately by government boost. Every year you can get free 1k from the government if you put in 4k. On top of this there is interest growth and capital growth. I have held LISA for 3 years and I have gained approx 6k towards my house deposit. I have provided deposit of 25% and remaining mortgage, I am very happy with this.
A mortgage is actually easier to get than personal loan or credit card. Not many realize this😁
I feel this is the best and affordable way to have a home. Only thing is waiting time of 3 years
Whats the downpayment.
5% of total value