Buying my house...in 3 years time

GoldenShadow

Lots on here will say you don't need 5K to kit it out. Depends how new and shiny you like things. I've been gifted a lovely dining set and sideboard from family, grandma has offered to buy washer/dryer and the dishwasher and oven are integrated. Fridge freezer will set us back abut £450 (I've seen a rather pretty one, you can go cheaper). We hope to DFS a sofa just because I am a cashflow freak, and will just sleep on our mattress on the floor until we sort a bed out. Spare rooms etc will get done as and when we have the funds.

If you go new build I think you can get a lot of appliances integrated too?

If OH and I didn't have each other we would struggle to buy anything as nice as what we are.

StressedFTB

You're being unrealistic to based on your salary and expectations of what you can get in Exeter.

I posted in your other thread as I was in exactly the same situation as you three years ago, even down to the location and salary - So know exactly where you're coming from. The only difference to your current situation is I was renting in a shared house at the time. Below is the post from your last thread.

I'm also from Exeter originally and was in a very similar situation to you (including salary) when I first started looking to buy three years ago. The difficulty you'll have is that wages there are very low and house prices very high. Sadly, to buy on your own in Exeter will be nigh on impossible unless you get a better paying job - The most, you can borrow is approximately up to five times your salary if your credit record is in good order.

You also can't include rental income for renting a room out on a mortgage application, and somelenders won't allow you to rent a room.

I moved to another city and was able to nearly double my salary straightaway - If you do want to buy on your own, this is probably the only way it'll achievable for you.

buttonmoon

I bought a 2 bed terrace in Exeter earlier this year for £123k.

The best thing you can do now is save as much as possible in the next three years. If you could get a perm job and pay rise/promotion in the that would be good as well.