(The back of our previous house)
Owning our own home has always been a goal of hubby’s and I. With hubby being a joiner he’s always chatted about what he wanted to do, or build in his own home. When we got engaged we starting looking into houses, but we couldn’t decide on where we were going to live longer term, with me wanting to live on the north coast where I grew up and hubby wanting to live to nearer to where he grew up in co. down. So after we got married we decided to rent to begin with in my home town whilst I studied nursing. As soon as I was done we moved to another rented house in the countryside but nearer hubby’s home town. We decided to see how we felt living there for a bit before we settled down and bought a house. Then our little Mini arrived and we really wanted to put down roots for her, I didn’t like the thought of possibly moving to a number of different properties when she was little, so we started to think about buying our first home. The market is considered a “buyers market” at least in N.ireland anyway and lots of people we know who are “our age” aka early to mid 20’s are buying or have bought property recently including my little sister and her fiance. We wanted to take advantage of the great property prices and decided to go ahead and buy a property last year. With that decided we had to decide on location, and we finally did. Well after much deliberation and a bit of persuasion from hubby, we decided we should stay in this area and put down roots. So the location was decided upon, but that was the easy part!
The next bit was the mortgage, i’ll never forget hubby saying to me in the kitchen one evening, “where do we even begin with going about getting one?” My thought was, your asking the wrong person, I had literally no clue, none, nothing, not even an inkling. There just seemed like there were far too many things to consider when looking into a mortgage, how much could we borrow? how much of a deposit would we need? Which type of mortgage should we go for and so on? So we did what everyone seems to do these days we got the laptop out and had a nosy online for the answers. It didn’t take long before we quickly started to get the grips with the relevant info.
We found it helpful to use tools like the online Mortgage calculator from Santander. The Santander mortgage calculator is simple and easy to use, with four short steps to complete you find out your result of how much you can potentially borrow. As well as this Santander have a fab budget planning tool. Budget planning is so crucial when considering a mortgage. It’s really important to take a proper look at the ingoing and outgoings of all finances within the household per month to gauge if a mortgage is a suitable option especially long term. The Santander website has a great Mortgage Budget planner which can help give you a great visual on your monthly budget, which I think is really handy.
We used a combination of online tools like the Santander mortgage calculator and an adviser to set our mortgage in place and finally after a short time searching for a property we found our lovely little home of our own, purchased it before Christmas and moved in two weeks ago and we could not be happier!
*This post contains a sponsored link but as always my views are 100% honest and my own*