The costs of buying  -  The move itself

Required Reading


  


The costs of buying - The move itself


You must of course remember that actually moving all your worldly goods from one place to another is going to cost you money. The cheapest way is to do it all yourself, with cardboard boxes begged from the local off-licence, which would often make sense in the case of first-time buyers.

If you decide to have a firm of professional house removers do the job for you, it is a good idea, again, to shop around. Estimates vary: you may find yourself paying anything between £1200 and £1400 for the contents of an average four-bedroomed house.

If there are special difficulties -your flat is on the top floor with no lift, for example, or the place fronts on to double yellow lines making parking a problem -you will find you have to pay extra.

As you move in, you should remember that you will have various other expenses to pay: the transfer of a telephone, for example, or the fitting of gas or electric cookers.


Check out:best buy mortgages

The costs of buying - Haggling


There is obviously some room for a bit of discreet haggling here, but don't overdo it. People are funny over financial deals and it is not unknown for a seller to withdraw from a sale because the buyer refuses to pay 1200 for the carpets, even though they might constitute less than 0.01 of the purchase price!

Should these 'extras' form part of the purchase price, as far as the building society is concerned? This can be important, because the amount that they are willing to lend may depend on their attitude to these.

If the agreed price of the property is near one of the stamp duty thresholds, it will pay you to agree as much as possible as 'fixtures and fittings', to bring you under . . .... see: The costs of buying - Haggling


Current Mortgage Offers

  • At Commercialise Yourself you can compare mortgages using our repayment calculator, look for special offers for first time buyers or for 95% loan to value mortgages and see the most popular choices, Nationwide, Accord etc, we now even have a buy to let section for the brave or heart or strong of pocket! You can send us an email if you want to know more about mortgages and what we do and we will get back to you as soon as we are able. offers@commercialise.org.uk

     

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    Even if you have no proof of income, poor credit rating or facing repossession of your home, we can normally say YES (even if the high street lenders have said NO)!

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