Ron Burgundy
Registered User
- Messages
- 752
hi ,
i've only stumbled onto the site but have to say its great.
myself and my fiancee are looking into buying at the mo, between us we earn €45,000 but this will go up to €50,000 in th coming months. our employer ( civil service ) will add that we have increments and wages raises coming up and that overtime of 10k per both ( both of us) is available to us.
we like most have a few bills every month but dont feel we earn enough to get on the ladder, we have very little saving and are looking at the 100% mortgage.
we have one good point in that my fiancees family home is now in her name which means we have some collateral. but she therefore is not a first time buyer, but i am so could we still avail of it.
stamp suty would apply of about 6k in the case of the property we would like, but i wouldn't mind paying that if it meant we got onto the start of the ladder at least.
any thoughts or advice would be very welcome.
i've only stumbled onto the site but have to say its great.
myself and my fiancee are looking into buying at the mo, between us we earn €45,000 but this will go up to €50,000 in th coming months. our employer ( civil service ) will add that we have increments and wages raises coming up and that overtime of 10k per both ( both of us) is available to us.
we like most have a few bills every month but dont feel we earn enough to get on the ladder, we have very little saving and are looking at the 100% mortgage.
we have one good point in that my fiancees family home is now in her name which means we have some collateral. but she therefore is not a first time buyer, but i am so could we still avail of it.
stamp suty would apply of about 6k in the case of the property we would like, but i wouldn't mind paying that if it meant we got onto the start of the ladder at least.
any thoughts or advice would be very welcome.
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