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first time buy help needed
liverpoollass_3
Posts: 5 Forumite
have not visited for a while as i have been busy saving and looking at potential property with my now fiancee. we have £6000 already and expect to have about £12000 when were ready to buy. we have a promise £130,000 through halifax. Although that was just to get an idea of range.
so now we have found a house we love which has great locality and is new build in an area being redeveloped(capital of culture an all that). it is a persimmon home,well a plot really which is not released till monday-ish. so we are going to look at the showhomes on the previous site on sat as this is minutes away( the first one we saw was a showhome about 10 mins away).
the house is 3 bed semi called "the shelly" on at 29,950 with incentives of 5% dep paid, stamp duty paid,£1000 towards fees, rear turfed and all for the reservation fee of £1. seems too good to be true, well you must use their ifa. im confused now as i was going to use a broker to get a better mortgage deal closer to the time of completion and our finances were solid.
Now for my Q's-
do we have to use their ifa to get the incentives and i read that in our position we could be cheeky and ask for extras
what is the expected movement of price at this stage,is it too early to ask
we really like this house but obviously havent shown it,so really i would like to know the next stages of the process so i look like i know what im talking about and dont get bamboozled. if we put res fee(£1) down do we then have to go ahead at the book price or should i haggle and then reserve. im lost...
please advise thanks
so now we have found a house we love which has great locality and is new build in an area being redeveloped(capital of culture an all that). it is a persimmon home,well a plot really which is not released till monday-ish. so we are going to look at the showhomes on the previous site on sat as this is minutes away( the first one we saw was a showhome about 10 mins away).
the house is 3 bed semi called "the shelly" on at 29,950 with incentives of 5% dep paid, stamp duty paid,£1000 towards fees, rear turfed and all for the reservation fee of £1. seems too good to be true, well you must use their ifa. im confused now as i was going to use a broker to get a better mortgage deal closer to the time of completion and our finances were solid.
Now for my Q's-
do we have to use their ifa to get the incentives and i read that in our position we could be cheeky and ask for extras
what is the expected movement of price at this stage,is it too early to ask
we really like this house but obviously havent shown it,so really i would like to know the next stages of the process so i look like i know what im talking about and dont get bamboozled. if we put res fee(£1) down do we then have to go ahead at the book price or should i haggle and then reserve. im lost...
please advise thanks
0
Comments
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i dont like the fact you have to use there IFA. whats the catch? see them anyway, you have nothing to lose, but see your own as well and compare the two, CAREFULLY!0
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