Buying Our New Build | The Whole Process of Buying A House | Bellway The Cherry 

The Lavender Lifestyle thank you!! I hope it was informative and helpful xxx

Ahhh good luck!! 🥰

Thank you! 🥰

Looking forward to hearing your review!!

Awh thanks gal!! Xx

I’m so glad you think that! Thank you 🥰

Good luck with the house!! 🥰

Why is stressfull?

Thank you!! Good luck on your house buying 🧡

Thank you for watching! And good luck with the house buying! ♥️

I’m so glad it was helpful! 🥰♥️

Hi BecxBlogs , i don't have a mony for 5% deposit can i get a mortgage or have you any advice? Thanks! Regards, Abror

Thank you! I hope the house buying goes well for you! 💜

BecxBlogs currently still waiting for our mortgage acceptance 😫 fingers crossed! 😬😬xx

How did it go hun 💕💕💕

I’m glad you found it helpful!! ♥️

Thank you! Good luck on your move! Xx

Oh gosh thats a lot of money!! Thank you very much as well 🥰 xxx

@@becxupnorth Yeah it was pretty steep but its like anything you don't buy shoes without trying them on so you can't buy a house without finding out its flaws!! It does have a few flaws but is what is expected in a older property!!

Hi Nicola did you use help to buy for an older house? I want an old house but can only afford 5% deposit at the moment

I’m glad it was helpful! Thank you for watching! 🥰

Ah good luck my lovely!! 🤞♥️

Ah thank you! I’m so glad you found it useful! Good luck on your house buying 🥰 and I do plan on making an update video! Xx

Because they come and go. Nothing ever stays. But I agree. Banking and finances like a mortgage should be taught more

Ah thanks gal! Good luck in your new home!! 🥰

Thank you so much! Good luck on the future house buying! Xx

also I was wondering how your experience was with bellway? was it positive because I'm thinking of buying with this company however seen a few negative review? has the house been finished to a good standard, if not do they complete the work quickly

Thanks for watching! The experience has been ok, it hasn’t been without issues and we’ve been here 5 months and still have unresolved snags but nothing major - they have been nice and have been getting things sorted, just slowly!

Thank you so much, I’m so happy people are finding it useful! Good luck on buying a home!

Ah good luck!!!!

Fingers crossed for you my love! 🥰

Ah I’m so glad you found it helpful!! Good luck buying your home ☺️💕

Timothy Cooper no, we will be remortgaging after the 5 years as with our mortgage advisor and paying it off in full, so you don’t pay interest and it works out more affordable for people like myself with lower wages 😀 but everyone should do what suits them

Great video btw!​ 100% Everyone should do what individually works for them...but few things to think about for the future and not just the immediate urge, where possible to reduce that 20% could save alot of money in the future with compound interest.. better to increase the mortgage or deposit. I am buying a house myself which is what lead me here. Few things to think about with the help to buy is that the government do have a stake in the property, some people have had horror stories where they were unable to remortgage with a different provider on a cheaper rate with the government stake still there.. (down to individual circumstances i guess). Interesting that you've been advised you could remortgage to include the help to buy piece in year 5...unless there is a significant change in earnings or you've paid of a large chunk of the mortgage in year 5 i wonder why they would allow the mortgage to be increased with a nominal increase in the equity? I will check this out though, i don't work in mortgages but that's interesting and if it is possible, helps me out too!

Good luck!! ♥️♥️

Its good to hear when it works for other people! I’m sure it will be the same for us! Xx

How did you pay it back.

Ah thanks you, I’m so glad its been helpful xx

I'm making a whole video on it this year 🥰

Thank you! I’m glad it was helpful ☺️

Glad you liked the video! Yeah its definitely quite stressful! 🙈 thank you xxx

Thank you!! Good luck on the house buying!!

BecxBlogs thank you!xx

Thank you!! Good luck in your house move!!

I’m glad it was useful!! ♥️

An equity loan is a government scheme so its from them 😁 so 20% is owned by them until you pay it off. Once y pay your 5% deposit and complete on the house you can move in!

@@becxupnorth Thanks for the quick reply! Regarding ISAs can you take the bonus out yourself or does your solicitor have to do it? Can you do it multiple times? Or just once for your first house?

Thank you! ♥️

Thank you so much!!

Thank you so much ♥️

You cant use your ISA bonus towards a deposit as you can only claim it after completing on the house! Good luck on buying!! Xxx

BecxBlogs what did you use your bonus towards if you don’t mind me asking? Is it true they give you the money back and you can use it on whatever you want? Haha sorry for the questions! I literally loved your Vlogs, it’s getting me excited but I have a year of hard saving 😩xxx

No need to be sorry! We used it for our solicitor fees, which are the most expensive fees you’ll have when buying a house. And what was left was given to us in a cheque from the solicitor and we bought curtains 😂 xxx

BecxBlogs okay thank you so much for your help! And congratulations on your new home, even though I’m slightly late watching the videos 😆xxx

Thank you so much! And of course you can ask. We saved just under £9k and our house was just under £180k, I think its much cheaper up in the North East than it is down there though :(

BecxBlogs that’s fantastic! It lol take us 3 years to save that up but I’m really excited about it now. We have 4 children and really need something secure and calmer environment. My husband was explaining the equity loan to me yesterday my brain became a bit frazzled lol. And I also was like but how do you pay it back.. you remortgage! Brilliant. Yes London is soo expensive! We are renting a 3 bed maisonette from council at the moment, it’s valued at £600,000! Insane! 🤯

You’re very welcome!

Thank you!

Awh good luck lovely! Xx

@@becxupnorth Awh , wow thanks so much! X

I’m part time, so yes!

Glad you liked it!

Do you mean the NHBC? X

Its all about income, anyone can buy a house if you earn enough 💜

Thank you x

Thank you 🥰 we did just use the recommended ones!

You don’t have to open a joint account, but lots of people do as its easier to share bills. You just tell them what account to take the money out like any other bill 🥰

It was just an incentive they were offering as we were one of the first people to buy onsite. They needed to sell the first few houses to encourage more buyers and it also meant we had to deal with a lot of building work in the beginning!

We didn’t! We got free incentives as we were one of the first to buy so I unfortunately can’t help with that one xxx

Thanks babe! ♥️♥️

katieelizabeth I can’t say I know all the answers as out mortgage advisor will be helping us, but I believe when you remortgage you use the money made from that to pay off your equity loan before your interest starts x

BecxBlogs ah okay Thankyou! I’m now binge watching your videos 😂 hope you’re still enjoying the house x

Thank you!! I do plan on making more videos!!

Ah good luck!!

We used a solicitor in Sunderland however we wouldn’t recommend them as they were bad with customer service! We paid about that though X

No it actually helps as it gives you good credit and shows you can pay regular bills, similar to having a credit card 😊

@@becxupnorth thanks :) Also, very helpful video, as i'm looking to buy using the same methods as you (Lifetime ISA, 5% deposit and equity loan). Anything you would have done differently to save you stress/money

Probably not bothered with the mortgage advisor and just applied for the mortgage ourselves as that was a hefty £500 for no real reason!

Lazy Girl lol same 😂 I’m the same age and in the same situation 😬

Honestly it is so much easier than you realise!! You got this xxx

Nope!

I would recommend a freelance mortgage advisor as then they are not biased

I reckon they pay a service charge to management company.

Lisa Goodman you have to keep a Direct Debit open until you make repayments & for any early repayments, the minimum DD fee is £1

@@becxupnorth we havnt had to do that and were just coming upto 5 years now

Its a management fee, all the info is in here, everyone with a HOA Equity Loan has to pay it hoa.org.uk/advice/guides-for-homeowners/i-am-buying/help-to-buy/

Homib Moses not at all, our friend who lives round the corner bought a house for just him 🤷🏻‍♀️