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Budget & Mortgage

Working out what you can afford - Buying a property is a big step involving a substantial long-term financial commitment with one of the biggest ongoing cost being the mortgage, so think hard about what you can afford. You will need to consider the assets you may have such as savings, your incomine and day-to-day living expenses. Although it may reduce your buying options, you don't want to commit to a mortgage and then realise you can't afford some of the nicer things in life, such has holidays! It may sound obvious but take time to think of all the things you spend money on throughout the year, even without a mortgage.

Mortgage - In order to speed the house buying process, it is advisable wherever possible to get a mortgage agreed in principle. This has the advantage of providing you with a clear indication of what is affordable and is also attractive to sellers and places you in a much stronger negotiating position. Should you require assistance we can provide details of recomended independent financial advisors and will be happy to arrange a convienient meeting.

 

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