Njangl veedu vangan plan ittapol orupaadu veedukal kandu. But valare confused ayrunnu. Ningalde house buying videos kande inspired ayitte aane tylor wimpey veedu njangal vangichathe. Intagram il contact cheythirunnu. Ningal reply cheyukayum cheythu. Thank you so..much. Ippol njangalkum UK il oru veedu unde. 1 year kazhinju. We don't regret on it eventhough on 3.8% interest rate.
ഒരു വീട് വാങ്ങുക എന്നത് ഒരു ഗുഡ് ഡിസിഷൻ തന്നെ ആണ് മാത്രം അല്ല വീടിന്റെ വാല്യൂ എന്തായാലും കൂടും അപ്പൊ അത് ഒരു സേവിങ് പോലെ തന്നെ ആണ് എന്നിരുന്നാലും ഹെല്പ് to buy സ്‌കീം ന്യൂ ബിൽഡ് house അങ്ങനെ ഒക്കെ വരുമ്പോൾ ചില ബിൽഡേഴ്‌സ് ഓർ housing അസോസിയേഷൻ ഒക്കെ വീട് വിൽക്കുബോൾ ചില ചാർജ്സ് അതായതു വീടിന്റെ പ്രോഫിറ് % കൊടോകേണ്ടി വരും എന്ന് കേട്ടിട്ടുണ്ട് so എപ്പോളും ഫ്രീ ഹോൾഡ് ഓൾഡ് ടൈപ്പ് വീട് ആണ് പ്രോഫിറ്റു കൂടുതൽ
Hi, Its informative, I have a question while the bank checked for the second time, was it by asking pay slip or they did any anonymous checking.. £7000 which you paid additional is there any set percent for that or its banks discretion.. From Bristol
They asked for our payslips few days before our completion date. We had around 6 months time gap between our mortgage approval & completion date. The additional 7000 they asked is just the difference in our mortgage affordability based on Daison’s pay change, its not a set percentage.Hope that helps
I think 280k your loan amount?so 900 pound monthly mortgage means whats intrest rate for your mortgage and how many years mortgage is that? I am also seching house. Thank you
@@SanDaisStories usually it is fixed rate only for 5 or 10 years. The rest of the mortgage term it would be floating. Are you sure about the 35years fixed. If yes it was a cracking move to lock it in.
There is no easy answer for this, It all depends on the market situation and forecasts, best thing is to get advise from mortgage advisor. We took 5 years fixed rate ( we didnt had an option for 10 yrs).
Haha, I am not here for a debate guys. So you are saying you took only 80% mortgage with the help of help to buy scheme. Fair enough. Even if you took the lowest interest at that time which is 2.34( which was difficult to get unless you have an excellent credit history) you will be paying £1300 for 25 years for 300k mortgage. So you know why I was skeptical . Also help to buy has its disadvantages in the long run as you have mentioned in your video. Please do clarify my doubt
The 900 we pay is both Interest(40%) and Credit to capital(60%), Mortgage term is 35 years , so it will finish in 35 years if paid correctly, hope that makes sense.
Njangl veedu vangan plan ittapol orupaadu veedukal kandu. But valare confused ayrunnu. Ningalde house buying videos kande inspired ayitte aane tylor wimpey veedu njangal vangichathe. Intagram il contact cheythirunnu. Ningal reply cheyukayum cheythu. Thank you so..much. Ippol njangalkum UK il oru veedu unde. 1 year kazhinju. We don't regret on it eventhough on 3.8% interest rate.
Congratulations on your new home 🥂 Thanks for the comment, glad to hear our videos helped ❤️
The same dialogue of "having your own house" is the trap many people bite into...
Worth watching before buying a house
Very useful and detailed video. Loved how you both go into each information. Very structured and clear approach. Loved the openness.
Our pleasure! 😊
Thanks so much for sharing your experience and valuable information.
Glad it was helpful! Thank you ☺️
Very informative … this video is amazingg
Glad it was helpful! 😊
ഒരു വീട് വാങ്ങുക എന്നത് ഒരു ഗുഡ് ഡിസിഷൻ തന്നെ ആണ് മാത്രം അല്ല വീടിന്റെ വാല്യൂ എന്തായാലും കൂടും അപ്പൊ അത് ഒരു സേവിങ് പോലെ തന്നെ ആണ് എന്നിരുന്നാലും ഹെല്പ് to buy സ്‌കീം ന്യൂ ബിൽഡ് house അങ്ങനെ ഒക്കെ വരുമ്പോൾ ചില ബിൽഡേഴ്‌സ് ഓർ housing അസോസിയേഷൻ ഒക്കെ വീട് വിൽക്കുബോൾ ചില ചാർജ്സ് അതായതു വീടിന്റെ പ്രോഫിറ് % കൊടോകേണ്ടി വരും എന്ന് കേട്ടിട്ടുണ്ട് so എപ്പോളും ഫ്രീ ഹോൾഡ് ഓൾഡ് ടൈപ്പ് വീട് ആണ് പ്രോഫിറ്റു കൂടുതൽ
Othiri helpful aanu ningalde videos.
Thanks a lot, really appreciate your feedback 😊
Home insurance
Personal life insurance
Salary protection are important 😊
Thank you for sharing the Genuine information, it's helpful for the first time buyers, you guys are really smashed it 😊
Glad it was helpful! 😊
Very informative video, thank you.😊
You’re welcome 😊
Helpful ❤
Thank you so much, highly appreciated , informative ❤
You are so welcome! 😊
Hi, Its informative, I have a question while the bank checked for the second time, was it by asking pay slip or they did any anonymous checking.. £7000 which you paid additional is there any set percent for that or its banks discretion..
From Bristol
They asked for our payslips few days before our completion date. We had around 6 months time gap between our mortgage approval & completion date. The additional 7000 they asked is just the difference in our mortgage affordability based on Daison’s pay change, its not a set percentage.Hope that helps
@@SanDaisStories Thanks for the detailed reply.. its useful… Keep inspiring
At current interest rate of bank of england its foolishness
Very informative 👍
Glad it was helpful! 🙂
Super
Thanks ☺️
I think 280k your loan amount?so 900 pound monthly mortgage means whats intrest rate for your mortgage and how many years mortgage is that? I am also seching house. Thank you
Our interest rate - 1.67% for 35 years, our mortgage was completed in 2021. Good luck for your house search 😊
@@SanDaisStories usually it is fixed rate only for 5 or 10 years. The rest of the mortgage term it would be floating. Are you sure about the 35years fixed. If yes it was a cracking move to lock it in.
Home tour venam 😌
Home tour chyam 😊
Would you please spell the name of that condition valuation agency, please thank you
Sure, you can search for Snagging companies for new build.
PR holders only can buy home in UK ?
PR is not mandatory. As long as the eligibility criteria for the lender is met, you can buy a house.
What would be the ideal fixed rate years you should choose for your first mortgage ? Is 10 years or even 5 years a good choice ?
There is no easy answer for this, It all depends on the market situation and forecasts, best thing is to get advise from mortgage advisor. We took 5 years fixed rate ( we didnt had an option for 10 yrs).
Is it beneficial to own a house If I am planning to stay here in the UK for less than 5 years and not looking for PR or to settle here ?
സോമേഴ്‌സിറ്റിൽ വീട് കിട്ടാൻ ബുദ്ധിമുട്ടാണോ
Which was the insurance company?
Lv insurance
370k de veedinu 900 ullo monthly mortgage??!!
375K aanu veedinte price excluding kitchen and flooring. Yes, monthly mortgage around 900. 80% mortgage, 20% H2B & 5% deposit.
Comment delete aakiyathu mosham aayi poyi
Sorry, we have not deleted any comments !! Let us know if you have any questions please ?
Ithil Kurachu abadham undu. Always go for minimum monthly payment and deposit. Athu nihalkku 5% kittunna loan anu. So extra amount monthly varunnathu deposit cheythal easy ayi 8% returns kittan. Appol kurachu cash kayil irikkum. Debt pay off cheyyunathu eppolum nallathu aakanam enilla 👍🏽
Enthu aanu NHS discount house buyersnea
Hi , njangal vangicha time il Taylor Wimpey had a 5% discount for NHS employees, so njangalku aa discount kity.
370K house paying only £900 per month 😂 . You kidding right?
It is possible. The interest rates were low when they bought the house and it also depends on the deposit they put in.
Why is it surprising 🤔House price was £375K, 80% mortgage aanu njngal eduthathu,interest rates annu nalla kuravarnnu compared to current rate
Haha, I am not here for a debate guys. So you are saying you took only 80% mortgage with the help of help to buy scheme. Fair enough. Even if you took the lowest interest at that time which is 2.34( which was difficult to get unless you have an excellent credit history) you will be paying £1300 for 25 years for 300k mortgage. So you know why I was skeptical . Also help to buy has its disadvantages in the long run as you have mentioned in your video. Please do clarify my doubt
Anyway all the best for both of you. You seems to be a very lovely couple
Interest rate is very low for help to buy scheme
രണ്ടും കൊച്ചുങ്ങൾ ആണോ...😅
😃
900 ullo monthly mortgage amnt?!!
Yes, monthly mortgage around 900. 80% mortgage, 20% H2B & 5% deposit.
H2b ntha?
Help to Buy scheme from UK Gov
Ayyo valia tattippu , vedio famous akan
Ethu portion aanu thattipu ayit tonniye ?
@SanDaisStories 900 pound mortgage, appol interest rate etra? Early repayment charge etra percent ella year?
Interest rate - 1.67% and early repayment charge is 5%
@SanDaisStories you only pay interest right. Then your mortgage never finish.
The 900 we pay is both Interest(40%) and Credit to capital(60%), Mortgage term is 35 years , so it will finish in 35 years if paid correctly, hope that makes sense.
Really informative video
Glad you liked it ☺️