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Laura Whateley
Money: A User’s Guide
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Copyright
Dedication
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How to rent a place and lessen the chances of getting ripped off
Should you rent from a letting agent, or a landlord?
What fees you have to pay up front, and questions to ask before you part with them
Need to know: what are tenancies?
How your deposit is protected
How do I get my deposit back?
How you can avoid paying an upfront deposit
Who is responsible for repairs in my rental?
Who pays household bills in my rental?
How to borrow enough to buy a property
How your deposit influences the mortgage you can get
What is LTV?
The greater your deposit, the cheaper your mortgage will be
• TOP TIP
How your bank is judging you
Earnings matter, if only to work out whether you stand a chance of buying
How to get a mortgage if you are self-employed
What is ‘stress testing’ and why the future matters as much as the present
What is your credit score and why does it matter?
How to improve your credit history
• MAKE SURE YOU ARE ON THE ELECTORAL ROLL
• GET A CREDIT CARD AND USE IT IN A CHILLED-OUT MANNER
• ADD RENT TO YOUR CREDIT HISTORY
• DON’T APPLY FOR OTHER STUFF
• BREAK UP WITH YOUR EX
• PAY ALL YOUR BILLS ON TIME
• REDUCE YOUR DEBTS (BUT DON’T WORRY ABOUT STUDENT LOANS)
• BE CAREFUL ON FACEBOOK
• DO NOT GET A PAYDAY LOAN
• GET A COPY OF YOUR OLD REPORT IF YOU HAVE MOVED TO THE UK FROM ABROAD
You have got a deposit and can afford a mortgage! So what is the process of buying a house?
The many other costs of buying a house
Need-to-knows: Stamp duty
Conveyancing
Surveys
Mortgage brokers
Choosing a mortgage
What’s actually in a mortgage?
Should you get a fixed-rate or a tracker mortgage?
• BUT FIRST, WHAT IS THE BASE RATE?
Variable rates, pros and cons
Fixed rates pros and cons
Buying with the Bank of Mum and Dad (BOMAD): top tips and family mortgages
First-time buyer schemes to help you buy (with or without BOMAD)
Help to Buy Equity loan
Shared ownership
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