homebuying

I celebrated the 1 year anniversary of buying my house on August 1st, so this week I’m reflecting on what I’ve learned along the way and expanding upon my thoughts from last year’s episode.

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Buying your first home is one of the biggest financial decisions you’ll ever have to make, so how can you prepare for it? On the Money Clinic podcast this week, presenter Claer Barrett meets a couple  — 29-year-old Alex and her partner 31-year-old Sarah — who are midway through their property buying journey. They have lots of questions: Did they get the right kind of mortgage? Should they prepare for unexpected costs? And what other financial questions should they consider before signing on the dotted line? Claer sources advice from Daniel Knott, the mortgage broker who posts as @DanDoesMortgages on Instagram, as well as Jo Little, who runs chartered financial planning firm Emery Little. 

If you would like to be a guest on a future episode, you can email the team at money@ft.com or drop @ClaerB a DM on Twitter, Instagram or TikTok.

Follow Dan on social media @DanDoesMortgages 

You can read Jo Little’s blog here: https://emerylittle.com/author/joannalittle/

This free to read FT article goes into more detail about the legal aspects of joint property ownership: https://www.ft.com/content/f321264f-bb8e-472b-9f95-a4bd26b6d89b

This will help you find out how much you might have to pay in stamp duty: https://www.which.co.uk/money/mortgages-and-property/home-movers/stamp-duty/stamp-duty-calculator-ar7uu5s1fycx

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

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By popular demand, we’ve decided to invite you in for an extended DMT session on all things homeownership.

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This week we unlock the doors to the adventures of pursuing homeownership.

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During the episode 71 of the PBD Podcast Patrick Bet-David, Adam Sosnick and guest Barry Habib sit down to talk about Peter Thiel's Roth IRA fortune, real estate, the housing market and more! 

Watch the full episode: https://youtu.be/DPLeAwhb04M

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High house prices mean that the biggest barrier to buying a home in Britain is raising a deposit.

With mortgage interest rates at near record low levels, many would-be homeowners could afford monthly payments - but saving the average £30,000 deposit would take years. 

For a lot of first-time buyers that means a trip to the Bank of Mum and Dad, but what if that's not an option?

It is possible to buy a home without raising tens of thousands of pounds, if you take a 95% mortgage.

With one of these deals, a first-time buyer able to pass mortgage affordability tests could put down a 5% deposit of £10,000 and buy a £200,000 home.

But is that a good idea? Didn't small deposit mortgages crash the economy a decade ago? Are they not leaving themselves heavily overexposed to falling house prices?

In this week's podcast, Simon Lambert and Georgie Frost dig into the world of buying a home with a small deposit mortgage, busting the myths and considering the benefits and the risks. 

They also look at whether giving buy-to-let landlords a tax cut to encourage them to sell could provide first-time buyers and home movers with a leg up, if a £10,000 bonus for all 25-year-olds would help, and after the dead cert rate rise that never happened, when will the Bank of England move?

Enjoy.