Buying a house furnished

Akahotpot

Fittings were part of the haggle when I bought my house
We were about 4k apart on what I wanted to pay and they wanted to take so I asked they left a cooker range ,US fridge freezer and 2nd bedroom furniture and I would meet their price
As they knew I didn't have a lot of my own stuff and I had meet their minimum price they also left me a leather suite ,all the curtains and a lawn mower

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tacpot12 wrote: »

It is a bad idea financially to take out a mortgage for any more than thus absolute minimum amount you need to buy the house. If you include the furniture in the mortgage you are paying interest on the money for 25 years plus. You can haggle hard over the furniture as it will be easier for the company to sell it to you than have to arrange for its removal.

Just like the people that say don't add the fees to the mortgage you pay interest on them for the term of the mortgage and it costs more

In practice this is nonsense.

The reality is there will be a fixed pot of cash towards the total.

the total cost( house + SDLT + furniture + fees...) does not change because some gets put on the mortgage.

Any that does get put on the mortgage leaves more of the cash pot to put down as a deposit and the mortgage end up the same size which every way you do it.