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First Time Buyer, High Earners, No deposit

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Comments

  • geoffky
    geoffky Posts: 6,835 Forumite
    I really hope you know how lucky you both are.....people dream of having your income....sort your life out..
    It is nice to see the value of your house going up'' Why ?
    Unless you are planning to sell up and not live anywhere, I can;t see the advantage.
    If you are planning to upsize the new house will cost more.
    If you are planning to downsize your new house will cost more than it should
    If you are trying to buy your first house its almost impossible.
  • I don't think the OP came on here to be judged
  • casper_g
    casper_g Posts: 1,110 Forumite
    I don't think the OP came on here to be judged

    No, the OP came here for advice on how to buy a £350k house on a six-figure income, when they have only £25k saved as a deposit. The advice to save a bigger deposit before buying is the only sensible advice that can be given. As there's a baby on the way, there's time pressure so they'll have to save hard to get there in time!
  • I agree with you Casper! I just don't understand why people on the forums judge others so much. People who are high earners always seem to be judged, I think everyone should be able to ask for advice.

    (I'm a very low earner before you ask :-))
  • geoffky
    geoffky Posts: 6,835 Forumite
    Maybe it is because the problems they have are of their own making and this is a example of one,,,
    It is nice to see the value of your house going up'' Why ?
    Unless you are planning to sell up and not live anywhere, I can;t see the advantage.
    If you are planning to upsize the new house will cost more.
    If you are planning to downsize your new house will cost more than it should
    If you are trying to buy your first house its almost impossible.
  • So are alot of peoples on the debt free wannabe forum.
  • rndb
    rndb Posts: 26 Forumite
    Geoffky -thank you for your unconstructive criticism. The OP asked for advice. Maybe you're just jealous....
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    I don't think the OP helped themselves with their own apparent jealousy of those who got 100% mortgages.

    Quite how anybody could show jealousy towards the large numbers of unfortunates who've ended up in negative equity is beyond me.
    We already missed the boat on 100% mortgages pre crash
  • Save some more cash bud, things aren't going to change that much in a year and with the molla you and your other half are on you'll hit your deposit target in no time.
  • geoffky
    geoffky Posts: 6,835 Forumite
    rndb wrote: »
    Geoffky -thank you for your unconstructive criticism. The OP asked for advice. Maybe you're just jealous....
    i doubt it...i am loaded..:)
    It is nice to see the value of your house going up'' Why ?
    Unless you are planning to sell up and not live anywhere, I can;t see the advantage.
    If you are planning to upsize the new house will cost more.
    If you are planning to downsize your new house will cost more than it should
    If you are trying to buy your first house its almost impossible.
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