Jay M1988 Posted June 27, 2017 Share Posted June 27, 2017 Morning all, Me an the gf are looking to buy our first home together. We have our first free meeting with Halifax mortgage advisor Wednesday bit nervous. But weve both good credit so should go okay. We have done the help to buy ISA which by FEB next year we will have 5k each (10k total) for the deposit. We are also getting 20k from our parents to help with the deposit. We are debating whether to get the help to buy mortgage or just the 95% mortgage so any advice on this is appreciated. We have found a TW homes house and site that we both like @ 157k. The area I'm a little vague on his how much can the sales lady offer - extras etc She confirmed the house will not be ready till april next year and contracts aren't exchanged till 6 month before completion. She also advised when putting an early bird deposit down we need Â£500 but Im unsure whether that would ruin the chance of getting any extras we go for as almost saying we will take it. She mentioned straight away that if we were to put 30k down as deposit that shed inc carpets throughout but that's the basic offer. Wanted to know what everyone else has asked for and actually got and also priorities what's most important to try and get. I saw a fb post while back where it was important to check the small print and ensure the property is freehold and not leasehold.TW sales rep confirmed already it is freehold. Very nervous, scared, happy, excited all wrapped into one haha. Any help or advice is appreciated people. Quote Link to comment Share on other sites More sharing options...
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