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Whether you are looking to let or rent a house in Birmingham or anywhere else, here are some of the things you’ll need to consider beforehand.
How long does it take to buy a house?
The house buying process can differ greatly and is one of the biggest decisions you’ll make in your life. It takes about 6 months in total to buy a house, but this varies from move to move so be sure to do your research in advance. On average it takes around 20 to 90 days to find a house, 15 to 30 days to receive a mortgage offer, 20 to 30 days to find a solicitor and exchange contracts and, finally, 10 to 30 days to complete and get the keys.
What sort of credit score do you need to buy a house?
It’s recommended you have a credit score of 620 or higher when you apply for a conventional mortgage. If your score is below 620, lenders either won’t be able to approve your loan or may be required to offer you a higher interest rate, which can result in higher monthly mortgage payments.
How much does it cost to buy a house in the UK?
The average cost of buying a house in the UK is £33,070, based on a home costing £277,000; the current UK average house price. This varies depending on the location and size of the home. You will also need to factor in the conveyancer you choose and the type of survey you need.
Birmingham Property Blog
A brief history of Erdington and the current every day transport links and local amenities that make Edrington properties sought after.
Looking back at the Erdington property market for 2020, it can certainly be seen as a frenetic game of two halves, albeit with a very long half time in the spring. Between the General Election in mid-December and Christmas, many Erdington agents saw an unusually higher uplift in activity in the property market just as […]
Step By Step – Property Specification, Certificates and Regulations Guide for HMO Landlords HMOs do have some extended regulations to comply with compared to single family properties, largely related to fire safety HMO Licence Required if the property is rented to 5 or more individuals Required if the property is 3 storeys […]
Simple Landlords Guide Existing HMO Properties without licence If you have an existing property with 3-6 residents and have never applied for a HMO licence then you would need to apply prior to June 2020 deadline. The property would need to be up to the current HMO regulations download here. After June […]
For over 10 years, we have provided a Birmingham HMO application service for landlords to get property HMO compliant and application filling to Birmingham City Council. The Service we provide is broken down into simple points and the pricing can be constituted individually For a complete HMO service, we offer a full service […]
Should you wait to buy your first home in Erdington or buy now? What sort of mortgages are available? What sort of deposit is required? These are questions all Erdington buyers are asking at the moment, yet this week I would like to focus on Erdington first time buyers and what it means directly and […]
Despite Government regulations that have been in place since the 26 March 2020, when in-person viewings were made illegal, Erdington buy to let landlords have during that time been chomping at the bit to build their property empire by looking at buying additional properties for their Erdington buy to let portfolio. There are plenty of […]
An immediate fallout of the Coronavirus pandemic is that it has placed many Erdington families house moves on hold. Government guidelines state all house buyers and house sellers who are in the process of selling their Erdington house and moving to a new house must adapt to these temporary arrangements, adjusting their usual practices, agreeing […]
Before the Covid-19 pandemic hit, 2,058 Erdington (or B23 & B24 to be exact) people worked mainly from home, or about 6.7% of Erdington’s 30,701 workforce (compared to the national average of 14.9%). Yet over the last few weeks, many hundreds, even thousands more Erdington workers have joined them in their spare rooms or at […]
With almost everyone spending more time at home, it’s normal for you to have started noticing things you didn’t notice before. It is also normal that you have asked yourself, at some point, if there is anything to do, other than cleaning, to get rid of viruses. But what you may not know is that […]
Erdington Electricians are going to very busy in the next 13 months as they will have to test the electrics of every private rented property in Erdington and potentially may have to install new fuse boards and wiring in some circumstances. New regulations set out in the Housing and Planning Act 2016 gave the […]
So now we are only a matter of a couple of weeks into lockdown, yet can you believe it I am still speaking with agents from all over the UK, and I do not jest, properties are still being sold and let even in these unprecedented times. Yet I would like to address the question […]
The last three or four weeks, unquestionably, have been one of the most life-changing times we have seen since WW2. The imminent threat of the Coronavirus has taken over the world, the UK and Erdington and will challenge you, our families, our relationships and test us all. The drive of this worldwide action of […]