Good News! You Can Buy Your OWN House In UK If You Are On VISA | House Buying Process UK

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Title: How To Buy Your Own House In UK On VISA? Step By Step Guide | House Buying Process UK
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Keywords:
How to buy your first home in the UK?
House buying on Skilled Worker Visa UK
How to Buy house in UK on VISA
How to get mortgage in UK on Skilled worker visa?
Home buying tips UK
First time buyers UK
Buying a new home in the UK
Buying an old property in the UK
UK Home buying advise
UK home buying expenses
New home in UK
Steps to buying a house in UK
First time buyer
Indians buying home in UK
Property ladder
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[@millionmilesbymohua-MMM]

Good post Gaurav we will check in details

[@kcdewani]

Thank you guys.. information at its best.. very helpful… keep up the good work❤

[@nagrajkumar44]

Thanks for sharing this info ℹ️!!

[@khushikalps]

As usual a very informative and helpful video. Keep up the good job Gaurav and Avi.

[@himanipatel4727]

Thank you very much ye video important tha....thank you for this video bro🎉

[@sonyjohn7084]

Thank You Gaurav. This was very helpful. 🙂

[@pshah9696]

Thanks a lot Gauravbhai

[@constanciopereira6231]

Thank you much your advice, sir. now i feel to buy my own house 🙏

[@IndianArchitectinUK]

Hello Gaurav Bhai first of all I would like to thank you for greeting me so well when you were in the car with uncle. I met you at the regent street lights leamington, but unfortunately aap traffic mei the to zada baat nhi ho paayi. My friend was telling you recently visited Kadak Chai, hope firse apse milna ho. I also wanted to tell you ki you are doing an amazing work coz me n my wife were planning for buying a house but we were not sure at all and this video was just what we wanted. Love you guys and a huge round of applause for your hard work and efforts.

[@anitaaswal2302]

Nice video brother

[@rinakaur7245]

You can even pick up houses for 150k depending on area you live in. With 10% deposit only £15k needed in savings. The morthage psyment will be around £850 each month....which is pretty much what your rent will be. The beauty of it is you can sell property in future and hopefully sell it for more than what it cost you (assuming property market is good). Any spare rooms you have can be rented to people in your network which helps you too. Pick areas outside city with good transport links into city centre. Eg in Scotland, Bellshill or Motherwell havd good links to Glasgow city centre.....and can get trains to Edinburgh,etc I would prefer Bellshill as you have a big Tesco in walking distance, indian grocery store that sells halaal meat too. Buses & trains that offer regular service to Glasgow, etc

[@user-yg3lw3jg6x]

All good if you are sure you would be in UK for long term after you but the house otherwise it can be a negative equity in terms of early mortgage closure charge, agent charges, etc.

[@rinakaur7245]

@@user-yg3lw3jg6x thats why i said good property market.

[@user-cp5mr2yl8u]

Informative video... Thank you so much 🙏🏽

[@HumTumInEngland]

Glad it was helpful! 👍🏻

[@VinothkumarRaviSankar]

Thanks, video is informative!

[@kavitabhal5167]

Good 😊

[@r.k.7325]

thank you gaurav bhai for this genuine information.we are also looking for our own House.keep it up brothers.make more informative videos like this and also make a video about freehold,leasehold and shared ownership property ..

[@padminichatterjee9205]

Very very helpful video

[@nj4392]

Been following you guys since 2/3 years now…… very informative and too the point ….. thanks and more power to u both

[@HumTumInEngland]

Awesome! Thank you! ❤️🙌🏼

[@jayeshjay8417]

Thanks

[@Manassahu180192]

Informative

[@HumTumInEngland]

thanks 🙌🏼

[@neenapuri2182]

Nice sir g

[@malikahmad8245]

Bro, please also make a video on shared ownership

[@livewithleisure2060]

Sorry bhai, but i contacted bank and they said you can have mortgage even if you are on PSW but the deposit will be 25% minimum and good household income

[@shivangikapoor2282]

Thank you for sharing... U r doing great job by providing such useful information.. Thanks alot!! Keep doing good work! 😊

[@HumTumInEngland]

Most welcome ❤️🙌🏼

[@qaishanif2857]

Excellent informative video

[@HumTumInEngland]

Glad it was helpful!

[@sadhanajadwani3508]

Thanku for information

[@HumTumInEngland]

Welcome 🙌🏼

[@tajindersingh9219]

Good job👍👍👍👍 I really appreciate 🇬🇧🇬🇧🇬🇧

[@HumTumInEngland]

Thank you!

[@KusumLata-rp3bd]

Good information

[@HumTumInEngland]

Thanks 👍🏻

[@user-oq6sd4ls4n]

As a Trader hum kaise buy kare home direct jese apne bataya 4 cror ka ghar ajaega bina instalments ke. Trader kis category me ayenge ? As a business person or worker ?

[@HemantKumar-su1qt]

..and my next curiosity is about why UK companies do not provide Scale Up Worker Visa. Kindly help us to know about reality.

[@khimlal2950]

Hi, very informative video, I was about to invest in property last year and I've asked one morgage advisor about it but he told me that after 2 years only I can get mortage on 10% deposit and now I've 1.5 years remaining on my 3 year skill visa. So, Can I go with this 10% deposit scheme now or need to wait more for next visa renewal. Please advise me I need your guidance here.

[@AhmedAli-dj7br]

Could you please guide us which lenders give mortgage on 10% deposit?

[@vipulrabari3530]

council tax or band kaise dekhe new house buy krte vakt ??

[@sharpshooteryt8966]

❤❤❤

[@abhisheksharma8330]

Hi Gaurav ... Fantastic video. These informative videos are really helpful to new comers to UK, who do not know a thing (like me)! These videos are a great source of trustworthy and guiding info...Keep it up ! One question (also could be your next video idea!) : Tax relaxation on House mortgage. Does UK government offers any tax deduction or tax relief for buyers like Indian government? Thanks !

[@HumTumInEngland]

thanks mate 🙌🏼 only Stamp Duty relief as far as I know for first home buyer

[@asitkumarmohanty2579]

Ye to motivational video ho gya. Now i want to buy a house. Mene abhi tak credit score build ni kiya 2 saal me. Unfortunately!! Agar next 1 yr credit score build karta hu to kitna percent interest pe loan milega approximately? Any idea?

[@Simranjit_Shergill_86]

Thanks 🙏 brother

[@HumTumInEngland]

Welcome👍🏻

[@Simranjit_Shergill_86]

Brother kids k liye me computer classes search kar raha hu kese search karu jis se IT sector like app development website development ki habit dal sake kids age 8 and 6 unka English level Asha he uk and se pehle hi youtube.com/@ImEnglishspeakers?feature=shared

[@vivanth176]

Indian bank se pese transfer krke le skte h kya ?

[@jannatulneela5868]

What about settlement visa. I’m eligible to buy a house with mortgage?

[@ManpreetKaur-dt4yc]

Hi , thank for information Paji doing good job I have some questions about buying property in the uk how I can contact with you

[@trishasarkar5147]

Thanks for this informative video..very well explained. 👏🏻 Can you please make a video on whats leasehold,freehold and shared ownership? Also difference between the different types of houses? Is a flat in a building better or an independent house? Whats the difference?

[@HumTumInEngland]

Sure I will 👍🏻

[@rohithreddy5042]

My brother and I are in the process of buying a new build house in Newcastle. We both are on skilled worker visa with a validity less than a year. We received mortgage offer from Barclays for 10% deposit. I guess with an excellent credit score and financial stability proven throughout your time in the UK should get you mortgage without any hassle.

[@AhmedAli-dj7br]

Can you please share for how long you and your brother are living in the UK? Does it matter to live for couples of years in the UK on skilled worker visa to get mortgage from Barclay's on 10% deposit?

[@AndPigsCanFly-ku6ku]

Remember, your neighbours despise you

[@rohithreddy5042]

@@AhmedAli-dj7br 3 years, one year on student visa and 2+ on skilled worker visa

[@rohithreddy5042]

@@AndPigsCanFly-ku6ku why would they despise on us?

[@AndPigsCanFly-ku6ku]

@@rohithreddy5042 in case you didnt realise, we have voted against mass immigration countless times.

[@sambawa9214]

Gorav ji aap or avee bhut achi lagte ho mujhe m jb uk auge na apko jrur miluge aap mil loge na ❤❤

[@nikitachauhan4566]

Hi Gaurav Very informative video If possible can make same video on about shared ownership houses please

[@HumTumInEngland]

coming soon 👍🏻

[@gautammoktan1]

could u let me know best place to get new house London

[@neilmanisharma6992]

Hi Gaurav! Thanks for the amazing video. I would like to inquire about the taxation implications in India regarding parents sending money to us as a gift, as you mentioned earlier. Has the transfer of money from India been subjected to a 20% tax since last year?

[@HumTumInEngland]

Hello mate, I believe as it’s gift money so no tax but I would advise you to check with a CA first

[@puneetkalra5765]

Useful video as always. Do you have an opinion if its okay to buy a flat instead? Being in London, the home prices are super expensive.

[@HumTumInEngland]

It comes with some disadvantage.. I’ll be explaining about it in upcoming video

[@mawramalik1324]

Health care visa walay ly sktay own house??

[@ProbaseAmra]

Thank you for this video ❤ do you suggest shared ownership property?

[@HumTumInEngland]

Nops better to buy whole house!

[@ProbaseAmra]

@@HumTumInEngland thank you ❤️

[@shwethaprabhakar2854]

In visa it is mentioned "No access to public funds". What exactly does it mean. Can we avail child benefit or daycare hours. Please make video on this topic.

[@HumTumInEngland]

Sure will do 👍🏻

[@sunilchander8885]

Thanks bro, I also saw ur old details videos in this subject. Let me know how can we call u if we want. I m in the UK and following u from last 2 years.

[@HumTumInEngland]

brother for any financial advise pls speak to financial advisor we are not certified advisors

[@karan-in-london]

Hi Gaurav, thank you for sharing such a helpful video. Just to add that you can get the mortgage by 5.5 times. There are many lenders who consider 5.5 times on skilled worker visa. I just got mine :) also it is not mandatory at all you must have 2 years on your visa expiry date, My current skilled worker visa is expiring in July 2025 and I just got my mortgage approved.

[@HumTumInEngland]

Thanks for sharing 👍🏻 afterall it all depends on individual’s salary, expenses and visa status so as I mentioned a certified financial advisor would be able to check and calculate accurate affordability.. but thanks again for sharing your info. 🙌🏼❤️

[@meenahoney3923]

Hi Karan. Can you please let me know which lender offered you for mortgage? Is 10% down payment your deposit? Thanks

[@ramandeepkaur-7315]

Hi bro..could please reply of my comment. Me and my husband came uk in 2022 may as a student spouse visa and now me on skill worker and he has dependent visa. We both have full time job and one year pay slips as well as 25% deposit. We tried to buy house from last 6 months via agency but they always said they are unable to find landers. Could you please tell me when we are able to buy house.

[@samsungdisc52x]

Which bank offers

[@ajayparkashkhatri7094]

Thanks Gaurav for this. Are we still able to get mortgage if you are left with 1 year skilled worker visa and have already been 4 years in the UK on Skilled worker visa. Basically, left with 1 year to get PR. Thanks

[@HumTumInEngland]

Hello mate, as I mentioned it's free to book a call with financial advisor in the UK so get proper accurate advise based on your salary and circumstances. Just call your nearest estate agent and ask to book a meeting with their financial advisor to understand.. if you really want to buy a house in the UK

[@ankitmaheshwari3412]

I have a different view in regards to buying property in UK. I live in a high rise in London near Canary wharf and I was looking to buy a flat in my building(a 2 bhk for now). I checked on multiple homes available for sale(in my building) and could see that the property rates have not changed significantly from the time it was build(2008) till date. Many 2 bhks that were sold at around 450K at that time are listed at around 520K currently i.e. a appreciation of 70K in 15 years. Say, I go ahead and buy a flat for 520k and deposit 20% i.e. around 104k and finance rest from bank. The EMI that I will pay would be same as rent so that would not make much of a difference on me financially. Now the 104k that I paid from my pocket(not even considering other fee), I can invest in some other asset class and I am pretty confident that in 15years, I can grow it to atleast 280K i.e. a profit of around 180K(being conservative and considering return of only 7% per year). Buying your own place have attached emotional values but in my opinion if someone is not sure if they want to settle here, please do consider this before deciding on to either buy or rent. **This calculation might not hold true for all properties but it is the case for few areas that I am looking into.

[@venkateshgiri1]

Pretty much in the same boat. Live in London in a high rise and 2BHK properties that we are looking in our area in Zone 4, Riverside is around 750-780k. We are looking to live here for prolly another decade. In our case we may end up paying a little more than rent and even the luxury home build quality is not all that fantastic and things start breaking down after a year or 2 or less than it. And in the name of service tax collected by the estate agents is ridiculous & is a highway robbery! Current owners had an increase of service charge by 170% .. ROFL ... For now it looks like we'll be on rent for few years as it'll give us flexibility to change homes every 2-3 years and go to a new build or move out of London (if NHS posting happens elsewhere for one us) Properties appreciate in London (and UK) not more 3% at the best case? Don't quote me on this :D Fantastic video for people who are looking to buy elsewhere in London. But buying properties for the sake of investment and making a profit is a terrible idea in here or so it seems to some of us. Totally agree with Ankit and his investment strargery.

[@user-ib2jp1dx6z]

HI FRIENDS PLEASE MUJHAY BATAOGE AGAR SKILED WORKER KI KAHI JOB CHALE JAATI HAI COMPANY KE SAATH NAHI REHTE TO KAYA FIR APNA GHAR SEL KAR SAKTE HAI HUN PLEASE BATAAO JA FIR KOI AUR SOLUTION NIKAL SAKTA HAI ?

[@sohailkhan-kh2vb]

Can a visitor buy property in uk in cash without bank mortgage

[@jibransualeh3361]

Your calculation for household income is before or after tax? Also, please explain how to receive gift money from your own bank account in your home country, no tax on that? Also, if you buy a house, is there any property tax?

[@rinakaur7245]

Must be before tax. To pick up £35k a year after tax, i expect your salary would be over £50k before tx/deductions.

[@madhavarora1641]

Along with 10% down payment, and solicitors/mortgage advisor fee, we need to keep money for stamp duty also for houses above £425,000

[@HumTumInEngland]

Yes but if you don't have that money then better buy house under £425,000. Remember first thing is to get up the property ladder. Generally first home buyers buy under £425000 so they don't have to pay stamp duty.

[@madhavarora1641]

@@HumTumInEngland That's True. 🤞🤞 All the very best to new home buyers in the UK.

[@tanushreepareek8208]

Very useful info,we are about to have PR, how much deposit we need to pay?

[@HumTumInEngland]

depends on various factors, house cost, your salary, affordability etc.. its better to get the PR first you have better mortgage offers from banks

[@FASHION-BEAUTYgh4sf]

hi

[@RakshitSharmaVlogs-je5lk]

Which bank offer 90% loan pls reply

[@TravellUnravelleD]

Rent or EMI amount me approx Kitna difference Aaega???we have completed one year here… but do not have around 10% deposit amount with us for now….can you help?

[@neilmanisharma6992]

Atm emis are higher due to increase rate of interest

[@TravellUnravelleD]

Can we increase tenure then?

[@rush2shuchi]

Can you talk about the stamp duty charges here and what is the best path to follow for that as it is quite high

[@HumTumInEngland]

Stamp duty is mandatory to pay but first time buyers are exempt from paying it

[@indterroryt1954]

What if pay all in cash .." Student trading money 😊

[@patelhimanshu3987]

Gaurav bhai kya shared ownership pay Ghar lene ka kya benifit or drawback he

[@HumTumInEngland]

will make a video on this soon 👍🏻

[@AEJAZALIPATEL]

Can we get a house on mortgage and rent it to pay the emi monthly with the rent

[@HumTumInEngland]

It’s called Buy to let property.. you can google it and read about it

[@Shivamurthy27]

Not sure we got house within one year we came to the UK that means we were in second year of visa and the visa was expiring the next year ..and got mortgage as well with 5% deposit ..in most cases nothing is generalized..bank was ready to provide as we have no kids so no dependents no existing loans and excellent credit score ..same thing with a existing car loan and even savings for 10% deposit my friend could not get it ..

[@HumTumInEngland]

yes depends on case to case, household income, expenses, affordability, visa status etc so better to consult with certified financial advisor so they can check mortgage products based on above factors

[@rosysharma2872]

Hlo bro..agar single person aye yaha pe skilled work visa pe kya tabh bhi le skte h hmm house uk main??

[@HumTumInEngland]

yes why not! based on your salary see what you can afford 👍🏻

[@rohitshrivastava6111]

Can you explain about Lifetime ISA please?

[@HumTumInEngland]

this video is coming soon

[@nbkbif3]

Can you get a mortgage if you get a skilled worker visa for 5 years recently?

[@HumTumInEngland]

if you recently got skilled visa then if you have 25% deposit then you have a chance 👍🏻

[@anillpatel009]

Hello.. What do you think about the shared ownership house ? Is it good or bad ?

[@HumTumInEngland]

I have made a video on this topic please check

[@anillpatel009]

@@HumTumInEngland thank you..

[@ramandeepkaur-7315]

Hi avi..could please reply of my comment. Me and my husband came uk in 2022 may as a student spouse visa and now me on skill worker and he has dependent visa. We both have full time job and one year pay slips as well as 25% deposit. We tried to buy house from last 6 months via agency but they always said they are unable to find landers. Could you please tell me when we are able to buy house.

[@HumTumInEngland]

Hi book a meeting with a good reputed estate agent in your area and their financial advisor.. it all depends on your salaries as well and the budget.. but if you have minimum 2 years left on skilled visa and completed atleast 1 yr then you should be able to get mortgage.. also with 25% deposit you shouldn’t have any problem..

[@ramandeepkaur-7315]

Ok.. i’ve three years skilled worker visa and on skill worker visa one year will be completed on April. one more thing i’ve fixed salary which is good and my husband also have good salary. But may be due to short time period we are facing to find landers. When One year will be completed then we’ll be tried again .

[@HemantKumar-su1qt]

Hello! Bhaisahab! I have a curiosity about IT jobs in the UK. Hey! Could you please let me know if some IT jobs such as- Software Developer/ Web Developer / Software Engineer are available for a guy who is having 5-7 years of experience with great learnings but, not having a degree/certificate in Computer Science or Computer Engineering or any kind of degree in especially in Engineering background? Rather, he is having a simple graduate degree in Bachelor of Arts from a reputed college of a University like Delhi's.....

[@HumTumInEngland]

Absolutely! there are so many roles available that don't require a degree in the same field if you have good experience and can clear the technical interviews

[@HemantKumar-su1qt]

Thank you so much for letting me know. 🙏✨

[@glenfernandes1049]

Can uk government know about property in india?

[@manubhagat1687]

Uk mai ghar Lena Shahi hai ya flat

[@Siddharthabhowmick-up9ft]

Bro can you make a video on the income tax system and tax slab for Uk how to save on taxes and when and how to pay taxes please

[@HumTumInEngland]

already on our channel bro

[@KMILIND]

How to protect from getting into fraudulent transactions while looking for new property? Thanks

[@HumTumInEngland]

go with good estate agents and solicitors

[@HarishKumar-yi5gb]

bhai ghar lene ke baad main agar main applicant ka visa cancel ho jaye toh ghar ka kya hoga?

[@HumTumInEngland]

if you can’t find another job then sell the house otherwise you have to make the mortgage payments from your pocket..

[@user-xc7wd4du4c]

Hiii Gaurav Muje 2 questions puchne he 1) Jo aapne bataya husband or wife ki income 70,000 hona chahiye yearly or monthly? 2) Uk me Ghar lene k baad PR mil sakta he? It’s true?

[@HumTumInEngland]

1. apne galat samjha.. Honi nahi chaiye.. it’s just an example agar ho to! jitni bhi income ho household uske hisab se aapki affordability banegi 2. No buying a house in UK won’t give you PR

[@IrfanKhan-lf4im]

on 315000.00 pound loan what will be the monthly instalment. and who much rent can be earn from the same.

[@IrfanKhan-lf4im]

hello pl answer.

[@ManpreetKaur-iq5ep]

Hi Are there any chances to get house after spending two year in uk on skilled worker visa

[@HumTumInEngland]

Yes, definitely! check with Financial advisor for your options

[@skywaygroup8430]

Sir meri daughter study ke liye UK aana chahti hai sir UK study ke liye kesa hai

[@dr.w.r.gajdhar1673]

Hi Gavrav My son is working as doctor in wrexham.on skilled worker visa.He is planning to buy home. He is having property in India on his name. What will be stamp duty in his case?

[@HumTumInEngland]

Financial advisor will calculate based on property value!

[@dr.w.r.gajdhar1673]

@@HumTumInEngland ok

[@ounmuhammad9156]

Hi Bro really informative can you make one video on doing 2 jobs one as primary (employed) second as a side hustle job (self-employed)how much TAX and NI insurance monthly our yearly you have to pay to HRMC kindly make it Briefly. Thanks Bro 🙏

[@HumTumInEngland]

Tax will be deducted through PAYE for primary job and for self employed you have to fill self assessment for any Earning minus expenses: whatever the profit you pay tax on it.. better to check with CA so you do it correctly

[@ounmuhammad9156]

@@HumTumInEngland If you can make one elaborate video on this topic that will be great 🙏

[@Hazellobo14]

Hi Gaurav can u suggest any good financial advisor who can provide free consultations? I’m really new to this process any heads up would be greatly appreciated 🙏🏻

[@HumTumInEngland]

better to call your nearest estate agents and they have their own advisors

[@Hazellobo14]

@@HumTumInEngland thank you ❤️

[@merajkhan-cg2op]

If we sale the house ,need to pay tax on it?

[@HumTumInEngland]

Usually, when you sell your main home (or only home) you don't have to pay any capital gains tax (CGT) due to private residence relief. However, you'll usually need to pay capital gains tax on property if you're selling a buy to let property or second home

[@WalesIndia]

Please jo single h aur skilled work visa pe h wo ghar buy kar skte h.

[@HumTumInEngland]

yes

[@saishavpatel8529]

I got only two year should I get ?

[@HumTumInEngland]

It’s up to you mate.. check with financial advisor

[@ranjeetsingh-nt8he]

Bro care worker Visa per , can we buy home?

[@thearyanomadic3359]

you cant even survive 😂

[@snehilagarwal523]

Which all bank generally give 90% mortgages??? Not sure about such bank, didn’t came across any of them

[@HumTumInEngland]

There are some book a free consultation with financial advisor as I mentioned in the video they will tell you..

[@madhavarora1641]

On skilled worker visa, Halifax is the only one option. But it's always good to reach out to Mortgage Advisor. He can check if you have got better banks

[@irshadhussain9991]

Unskilled work visa

[@sujitivs8880]

Hello Sir 1 % down payment me Kuch aa rha h kar ke kuch ho to plz clear karna

[@HumTumInEngland]

Not possible sir

[@sujitivs8880]

@@HumTumInEngland Nhi sir this march me Uk govt ki side se Karen ke liye suns h sir

[@sujitivs8880]

Can I talk to u plz

[@korikrali]

How come you cant pronounce mortgage orre tly. Its Mor- vej not mort-gej

[@flaviatauro8491]

Is it possible for a single mom to buy a house

[@HumTumInEngland]

yes absolutely check First Home Scheme UK Gov. if you are on low income that scheme might help you

[@nazminaslam1689]

U people doing you tube to get through

[@rjs578]

Apparently, your friends are not very skilled that they weren’t aware of it. Or you are just spicing up your video with a fake story

[@nirjharrajawat2222]

Thanks