Avoid These Common Mistakes When Buying Your First Home

[@cm-to6oi]

This lady should be charging tonnes of money for giving this kind of valuable information. Wish I had seen this kind of video 10 years ago. I would have my own house now..

[@moniquejennadray46]

Me too! I agree Nicola is an absolute gem.

[@dm.mortgage]

Thanks Monique ☺️

[@alpeshkumarnauchandra2907]

​@@dm.mortgage one is how well WWE wrestling are on 1 WWE wb9vh9pohwh9oo19johpoop regards to ol hippocampal pp az

[@adenikeoke6763]

Honestly this is the best advice. I am currently working with DM at the moment, they have helped me with every mistake Nicola mentioned avoided. I am better placed now with my purchase and hoping all goes well. Thanks Nicola 😊

[@dm.mortgage]

Pleased to hear Adenike and thank you! ☺️

[@fredswartley9778]

Excellent video! Your presentation is very clear and concise, unlike most other people on KZbin who give advice about buying a house.

[@myamazinglife3954]

Excellent advice, delivered in a professional and friendly succinct and eloquent manner, and your energy and bedside manner is very assuring comforting and personable. I`m not yet ready to start my property journey, but when I am I will look you up, thank you and God Bless :)

[@Jjr420]

Incredibly informative as usual. Thank you Nicola.

[@dm.mortgage]

Thanks for watching Joe and pleased to hear you found it useful ☺️

[@X5HABX]

Great advice - a lot of information in this video that I’ve not heard others talk about before and I watch a lot of these types of videos 😊👍🏽

[@Bladebreak3r]

Hi Nicola, why does no one ever mention that you need to check that your solicitor is on the lender's panel before instructing? Everywhere says - as soon as offer accepted, instruct a solicitor by reading reviews/getting quotes/recommendations from friends/family...no one mentioned this to me and now I'm in a position where my chosen lender may not have my chosen solicitor on their panel.

[@parkerja80]

Hi Nicola, watched a few of your videos and find them very clear and informative. I am currently looking to buy my first home but don’t know where to start there’s so much crap online that it’s a bit overwhelming.

[@efreamhaile9344]

Very informative!! Thank you! I am learning a lot from this channel!

[@olorin818]

great video! I would love to hear more about doing the right steps in correct order. You've spoke little bit to it, but perhaps a video dedicated to it ? (if not already in your lbrary?)

[@hamidohimo1]

You are amazing, I like your thorough and clear way of explaining things

[@bozanasormaz1712]

God bless you Nicola 🙏🏽...wonderful informations...I won't think of going to buy something without contacting your office 😀 🙏🏽

[@dressthedaughters]

Very informative and well explained.

[@We.explorer]

Always very informative thank you so much Nicola 🙏🏼

[@ntombizodwamoyo426]

Hi Nicole Good to hear all such information. I need to book an appointment for sure. Wish you can guide me through ...

[@llongllevel2936]

This video deserves 0 dislike. Thank you, very informative.

[@itamarpeixoto2944]

Thank you so much for doing this . I’m checking and is being very helpful.

[@finenebula]

I have watched a few of your videos now. I would seek you out the next time we go to fix a new deal. I know there are others without a fee to the client, but it looks to be minimal. And I like your approach and advice here. Thanks.

[@kingares9768]

After watching this I will go ahead and contact your company to book my appointment 👊🏾👊🏾

[@dm.mortgage]

We will look forward to assisting King!

[@oyinkanannykaolapade3725]

This was super helpful, thank you!

[@aloemckenzie1689]

Great video! Thank you. You mentioned the benefits of the order you need pay for things in the process, but didn't actually say what the correct order is, please can you share more?

[@dm.mortgage]

Hi Aloe! Please check out my video ‘House Buying Process explained’ which you can find here; kzbin.info/www/bejne/o3LOmoqheq13d5Y When you are ready to start your journey this is what we guide you through - the Whole process! So book a free of charge appointment here and we would be more than happy to help! www.DM.mortgage

[@aloemckenzie1689]

@@dm.mortgage thank you!

[@andrewsundaram3996]

Thanks for your advice.

[@charmyni8847]

You are amazing. Those who gave thumb down are definitely deaf. Thank you

[@dm.mortgage]

Thank you Charmyn ☺️

[@charmyni8847]

I booked an appointment and was contacted very quickly. Looking forward to my appointment. Absolutely amazing

[@dm.mortgage]

Pleased to hear Charmyn, we will look forward to helping you with your enquiry 👍

[@ptt9502]

Great advicece... Thank you

[@scee962]

Great video Nicola! First time buyer here, lets say you get an AIP approved for £325k, and the house is worth £350k, but you want to offer less than its valuation. Should you still show the seller/estate agent your AIP for a higher mortgage amount? Or is there risk the seller will see this as an opportunity to increase the price? Hope this makes sense, Thanks in advance!

[@fiziparadise7808]

Thanks a lot - it’s one of the most informative video for FTBs.

[@fiziparadise7808]

Hi Nicola, I need specific advice about how to improve my credit file please. I checked my record on checkmyfle today and it’s just fair, although I’m not on electoral registration. I’m saving towards my mortgage deposit and I want my credit record to improve in few years coming before affordability assessment.

[@dm.mortgage]

Hi Fizi there’s a video on the channel ‘How to improve your credit score’ check it out that should help you.

[@fiziparadise7808]

@@dm.mortgage could you send the link please? I have searched but I can’t find it!

[@dm.mortgage]

Sure! ; kzbin.info/www/bejne/np6qkmWMZdR-eKc

[@Abrina98]

Hi madam.please can you take about next time buyer mean we dont have a property example I lost my property 6 and a 1/2years a ago buy again.tips please .helpful for others as well.

[@carmensanchezgarcia6476]

Hi Nicola, thanks for this great advice. We have enough savings for a deposit but at the moment my partner is the only one working and so we can’t afford to borrow enough money a property. We think we might be shy of 20-30K in terms of affordability. Would a guarantor help us borrow more money? Thanks!

[@dm.mortgage]

Yes Carmen a guarantor might be of help to you, get in touch if you wish to find out more about your options. www.DM.Mortgage

[@ayankumarhalder8266]

@Nicola , Thanks for the great video. I have a question. Will the mortgage provider (ie bank) will provide me with mortgage insurance/protection or do I need to go to a different vendor ? Also, you did not speak about home insurance. When do you think should we ideally buy that ?

[@dm.mortgage]

Hi Ayan, I would strongly recommend not to go through your mortgage provider as options are very limited (only one insurer they will consider) We are a broker so provide options from many insurers and also provide advice,guidance and a free will writing service. Our insurance service is completely free of charge and you can book an appointment here; www.DM.Mortgage Buildings cover and other insurances should be applied for around the same time as your mortgage.

[@rudejude87]

You need to have the insurance in place when you conclude missives. Most people think it's when you get the keys, but you're actually liable from when the missives are done.

[@aj7803]

Very interesting video Nicola. Do you do a video on hard and soft credit checks?

[@dm.mortgage]

Hi AJ, I have not got a video on this subject - though if you have questions please feel free to call and have a chat on 07887714230 or email [e-mail]

[@aj7803]

@@dm.mortgage thanks Nicola.

[@Thelaurarae]

Great video. Do you have a video you could link relating to the insurance/mortgage protection part that you mentioned?

[@dm.mortgage]

It is scheduled for release later this week! Meanwhile here is a useful one for you; kzbin.info/www/bejne/e3m9m2ywf81mfLM If you need advice on your mortgage protection options you can also book a free of charge appointment and we would be happy to help guide you; www.DM.mortgage Our insurance service is free!

[@KellyJoyceTv]

Thanks for sharing

[@HelenaCesarMakeup]

such a great video Nicola thank you. We are still saving more money for our deposit. I have a question regarding new build properties, if you find a 3 bed house that is south east of england and you would like to use the help to buy equity loan, but the property is over the maximum property price (because they all are, houses are more expensive than this limit) how does it work?

[@dm.mortgage]

Hi Helena, glad you found it useful! The house has to be under the price cap - if not then you have to purchase using a traditional method of purchase (ie - without the help to buy scheme) without the scheme then you need a minimum of 10% deposit currently and the rest would be made up with a mortgage.

[@Neroshi-Interactive]

Great advice

[@englandBASED]

Hi Nicola, love your content! I had a quick question. I am a first time buyer looking to purchase a BTL property for £175k. I know I don’t have to pay stamp duty on that since it’s my first property, however will I have to pay stamp duty is I was to buy a residential property after? Thank you

[@dm.mortgage]

Hi! Yes you would pay stamp duty initially as a home mover at the normal stamp duty rate, if you purchase additional properties you would then pay it at the additional stamp duty rate. If you need help with your calculations and the purchase in general you can book a free of charge appointment at www.DM.mortgage and we would be more than happy to help!

[@mehakfatima1887]

How much deposit is required for a person on spouse visa in Natwest and Barclays Bank?If it is joint application and other applicant(wife) is British national.

[@shammishahriar7937]

Nice vedio

[@tahirqureshi628]

If your earning 25k can you get a house or a mortgage

[@chruni8908]

Hi Nicola , is getting housing benefit can affect getting a mortgage and why? Thank you 🙏🏼

[@dm.mortgage]

Hi, you would usually not receive housing benefits after acquiring a mortgage and a lender would not usually take it into account for affordability.

[@chruni8908]

So that’s good then thank you !

[@sdbirendra3461]

Nicé

[@satinderkaur4453]

How much deposit do I need pls

[@dm.mortgage]

Hi Satinder currently minimum of 5% is required though you may need more based on circumstances so you ideally want to get advice - www.DM.mortgage to book a free of charge appt. You can also watch a video on this topic here which may help you; kzbin.info/www/bejne/hJfFlKuOq5h5qrs

[@satinderkaur4453]

@@dm.mortgage Thank you Nichola for responding so quickly . God bless you

[@t.m3070]

Hi Nice video with lot of info . Have a question, I had a jointly mortgage with my brother and property was rented now it’s sold and now I want to buy a house to live in, will this be considered as first time buyer ? Will I need to pay stamp duty ?

[@dm.mortgage]

Hi T, HMRC would not consider you a first time buyer for stamp duty. Some mortgage lenders would in terms of the products they offer - this would depend on the lender and how long ago you would the property. www.DM.Mortgage

[@hafizmuhammadsuleman2276]

@@dm.mortgage Ji

[@babulkaji]

Love u beautiful