We Saved 1000's £ On Renting | How We Bought Our First House In The UK🇬🇧

[@HumTumInEngland]

Thanks for watching the video ❤️ Hopefully we may have helped you in some way by sharing our Home Buying experience with you all. Please do put your doubts in the comment section so we can help you better 😊 For our channel’s support.. don’t forget to like and subscribe 🙏🏻 Thanks #HumTumInEngland

[@abhisaurabh09]

Information thodi kam he . Ghar aapne kitne ka liya . Kitne saal ka loan he . Emi kitne . Aur kya yha India ki trah 80c and 24b jse kuch exemption he . 5 saal baad apke ghar ki value on avg kitni percent jyada hogi . Aur 3 saal baad ab apko kaise lagte he ki ghar lena chye tha ki nahi .Tabhi to hum subscriber informed decision le paynge aur shayad ghar lene ka socha.

[@wordplaywhiz]

Gaurav & Avi, God bless you both sweet couple. You guys have really helped the subcontinent region residents coming into the UK.

[@abhinavinsearchofthelost]

Congratulations on your new home and enjoy your life in the UK. Love from Wiltshire.

[@sktrading_11]

literally the best channel and the cutest couple to gave advise to someone willing to move may god bless you gyuys

[@shivanandshilwant5827]

Very Important information sir pl give me your contact source l am from lndia My son recently joined at Birth in England as a Readologiest

[@SunitaKevlogs]

Namaste. aap ki videos dekhti rehti hun. soch rahi thi aap ko pehle dekha tha.is video se yaad aaya aap Sangwan family ke ghar gaye the to unke vlog mein dekha tha I think.

[@Jobnaukar]

Happy married couple life and congratulations for buying home.

[@shivanandshilwant5827]

Congratulations in spite of all difficulties you have your own home

[@tanzeelakhanam5319]

Thanks for sharing ur experience with us😊 learnt a lot from this video👍

[@bhoovisaini8005]

You guys have explained this topic so nicely.....All the best to you guys ...it's such an achievement to buy a house in another country.

[@kanchanpandey3719]

Bahot pasand aayi video,main Milton Keynes me rahti hoon,aur hum bhi ghar lene ka sochh rahe hain,aur isi time pe aapki video aa gayi...Thank u Avi 😘😘😘

[@SameeraKhan-po7js]

Always good videos from you guys ❤

[@senddev]

Great. Loved your presentation. Keep it up 😊

[@RakeshPatel-cr3ri]

I m first time buyer’s this video very useful thanks 🙏

[@zafariqbal8073]

Very informative... please keep it up...thank you..from Bangladesh

[@jeevanjoshi1070]

Did you complete probation period in the jobs? Normally banks don't pick your file unless your trial period is over in Europe.

[@kunsha1]

Thank you guys for video! Could you suggest best Mortgage calculator also make how mortgage and rent makes the difference

[@ashharvlog4897]

Thank you so much your videos help a lot and gives me a motivation to buy a house.

[@Assassin110]

Congratulations 👏🎉🎉👍 sir -madam stay blessed always! Have a peaceful life 🙏

[@affanzahid579]

We married 5 dec 2021 & We are planning to come to london with our 8 months daughter.

[@Jayoti]

Great! Informative. Thank you guys...

[@shrenikshah2015]

Hi Gaurav and Avi, can you pls tell me how is Crawley for setting down for a couple of years..

[@hassanqureshi7477]

Nice thanks for information…appreciate that

[@sashankthag12]

can you recommend a solicitor and mortgage advisor please?

[@rumaahmed5074]

So much informative.Thanks guys🙂 I have a request can you guys discuss which town would be better to buy a permanent house and why you guys choose lamington spa?

[@ArvindPateluk]

मै काउंसिल के घरमे रहता था। बिलकुल नया। सबसे पहला मै ही रहने गया था। २० साल तक फूल भाड़ा दिया। और जब मैंने काउंसिल से ख़रीदा तो काउंसिल ने मुझे २२,००० पौंड डिस्काउंट दिया। और तब मेरे पास ख़रीदने के लिए केश था। तो डिस्काउंट के बाद जो क़ीमत तय की वो मैंने केश दे के ख़रीद लिया। Bolton, Greater Manchester.

[@bashirauwal5825]

Congratulations 🎉 on your new home🏡. I just purchased cash for my first house three weeks ago. While watching this strange video, I feel very proud of myself and my accomplishments. I'm so delighted I made wise financial decisions that improved my life forever.

[@bashirauwal5825]

@Jacob Zate Thanks 💃💃😊

[@bashirauwal5825]

@Camila Santos I can mention some that were beneficial to me. 1. Make a plan for it. 2. Be frugal and spend as little as possible (don't buy things you don't need). 3. Put money aside for retirement (Roth IRA /401k). 4. Create an emergency fund 5. Save in order to invest. This is the most significant because it is a tried and true method of increasing one's wealth. Very essential in terms of financial success

[@bashirauwal5825]

There are numerous investment possibilities available, including real estate, exchange-traded funds (ETFs), stocks, and cryptocurrency, but my best recommendation is to have a professional guide you through the process.

[@bashirauwal5825]

@Camila Santos I highly suggest *Rachel Blanc's* services; she's an excellent specialist who has influenced my financial journey.

[@albertcharles4415]

Congratulations Bashir, you're brave and inspiring

[@AmitGarg-ri1fu]

it would have been great if you would have shared exact cost ..

[@prachispalate]

Thanks for sharing your story. It will help a lot.

[@anusimon2005]

Kindly let us know what were the extra cost involved,like for the solicitor etc! Thanks

[@nayeralwinkhokhar1664]

Hello brother and sister aap kaha rehaty haen Uk maen

[@Tt-nx2iw]

Congratulations 🎉🎉🎉 🇮🇳 best decision Even we are planning to buy our first 🏠🏡👍👍😇

[@whatstime566]

MASHA ALLAH , SO CUTE COUPLE

[@precioussyiem6791]

Good motivation for other couples.

[@vedantijadhao2827]

Very well explained and in detailed information.

[@HumTumInEngland]

thanks for watching

[@Nishit_dwarka]

Thank you for sharing very good information

[@mukund198526]

I had recently purchased the house after landing in the UK in 6 months, I paid 20%, there is no government scheme helped because i.e. only applicable for 1st-time buyer and the 1st time buyer major condition is that you will never own any house in the world 😞 but yeah it was great to have a house and paying the mortgage for our own house 🙂. one more thing wants to add if someone is with a family and willing to purchase the house then please consider your house which comes in the area near to grammar school because as per law you need to be in a nearby area (around 10 miles) of a grammar school for 2 years minimum to be eligible. One pro tip - if you go to the builder with the approval of your mortgage principal - they lose this option of giving their mortgage advisor because even mainstream banks like Barclays, HSBC, and many more also help first-time buyers.

[@HumTumInEngland]

thanks 😊 good to know 👍🏻

[@youtubervijayvjsweb]

Ohh , thanks

[@mukund198526]

@Rupinderjit Singh It all depends upon how much you are earning at the moment as well, since my wife and I both were having good salary according to the bank, so bank helped us and that too, we are on skilled worker visa for another 5 years because I am already paying around 2300 GBP per month in rent and also have car lease, so it helped me, I took the car in just 15 days after landing in the UK. Yes it was Halifax only for 1 year and then will switch to HSBC or Barclay as I have a premier account in both. So in nutshell it all depends upon your profile and there is one special tip that - choose some advisor who can help in searching manual entry of credit score rather from the system, although we both have good credit score there is another condition that you need to fulfill that your current location tenure, so just after 1 year HSBC is very easily able to give. There are some financial advisors who help only for tier 2 visa people, so google it you will find many more.

[@sandeshsalkade2500]

Hi Mukund, so if you already own a house anywhere in the world (I have one in India) then it means you are not eligible for this "Help to Buy" benefit from government, right? In that case, we need min 20% as deposit if we wish to buy house anywhere in the UK.

[@mukund198526]

@@sandeshsalkade2500 Yes so ideally you need 10% but if you have less than 1 year of stay and your salary is lesser than what the bank feels in that case yes you need to pay 20% of the deposit and additionally also you need to pay stamp duty as well since you are not qualified as a first-time buyer.

[@eunxiqx8878]

Much informative 👍 definitely it will be helpful for us too as we are planning to move in uk in next few years

[@ramaymd]

All the best guys

[@harbalrajsingh8516]

Congratulations 🎉🎉

[@AshokSharma-ix7hy]

Heathrow to leamington spa ke liye evening 7 o clock arrival hone k baad kaise easy aaya ja sakta h, ya morning tk rest zone me rh kr aage journey start krni chahiye pl tell

[@javaidmahboobi5638]

lovely! stay blessed

[@zsunay]

Thanks for this great video. When we say help to buy is applicable for your first house, I assume this refers to having your first house in the UK. Is this correct?

[@barakskitchennvlogs9121]

Superb information nd sharing with us

[@SameerKhan-dc7nr]

Meri sis be uk h par unke paas be itna pessa nhi h plz help karna ese he unko btauo gi aap ka very good

[@hassanzkhan]

Thank you. You both are too sweet.

[@b.mohammed9869]

Very informative video ,Thanks Gaurav and Avi Just a doubt can a student opt for house pls let me know thanks .Thanks for making video and clarify ,You guys are really amazing 🇬🇧🔥

[@rupikabhasin1555]

Thanks for sharing!! 😊

[@ReenaAdnan-g3y]

Hi Gaurav and Avi U both are very sweet God bless you Aj Kal morgage ka Kya hisaab hai wahan aur kese easily home buy kr skte Hain please help 😒

[@sn3051]

Did you buy off-plan? Heard that some new builds have issues. Which builder will you recommend?

[@sukhnindersingh1776]

Veer ek ea gal dasoo jado study complete Jo jandi aa uk vich duara study ta ni karni pendi pr ja visa extend karvon lai please dasooo

[@RakeshPatel-cr3ri]

Congratulations 🎉 for new 🏠

[@naveedshahoffical5658]

Congratulations on your home

[@spidyniks]

Why did you choose Leamington spa, I've been there for 2 years it's a very nice place for Indian community there.

[@rukmanicreations2617]

App bhut salo sei uk mei rhate hei n kya app bata sakte hei ki hull kesi jgah hei or vha indian gocary store hei kya app mujhe jaldi really kare

[@nivyaeasudasan4872]

It would be more helpful if you could tell the price of your house & the fees incurred in each steps....also the names of mortgage advisors & services you used

[@sukhnindersingh1776]

Please ek gal dasoo ki study complete hon too baad study dubara ta nahi karni pendi PR lai ja visa extend karvon lai i am graduated

[@badshah6967]

pls reply agar mein half payment de kar uk home lun mge wahan ki nationality mil sakti hai , agar mein visit visa par ao tou

[@Mk-ru9ed]

Can you tell me about red lite means blue moves making

[@rashmishrivastava9886]

Very wrell explained n very useful information

[@HumTumInEngland]

thanks for watching 😊

[@nazninkagzi8396]

Hey.. I am from india but currently i am a student and i want to know how can i change my field after graduation because i am a civil engineer and currently i m doing my master in project management in construction but i want to build my career as a data analytis because now it is in demand. How it is possible? Can u suggest me?

[@WarpPortal-j9s]

Very good information

[@ridaather7810]

Mae yahaan European passport mae rahrahahoon UK me presentment hae aur family kesaath rahraha hoon, part time job pe hoo kiya mae eligible hoo please bathaye?

[@anutrisha2294]

Congratulations 🎉

[@swarajgotra3292]

Can you make any video like how much earnings are good here And please make video about nin tax and about td tax . If I work more hour so I get less income bcz tht deduct more taxes

[@sujeetnishad]

Very good information Gaurav and Avi, would you be able to share how much the bank is charging the interest in uk usually for home loan

[@HumTumInEngland]

usually depends on credit score, affordability and your visa status.. several factors but general rate could be 2-3% these days

[@sohelmodi1]

Interest rates in the UK are dependent on the Bank of England's base rate. As the base rate increases the rates will go up. Something which we are experiencing in the UK now.

[@monjurujjal735]

From which bank did you take the mortgage loan?

[@anuradhaarora6100]

Hi guys. M big fan of yours. I just wanr to ask that which University is better london metropolitan or Coventry for career point of view. My course is msc data Analytics

[@sashbhah]

Thanks a lot for the video. Quite useful. We have very recently moved to London - what would be the earliest time we could buy a property given currently we are in the first year of the 3 year skilled visa?

[@HumTumInEngland]

Start doing research after 6 months of your arrival and check with some mortgage advisors about the options you have !!

[@sarina5352]

Don't buy property at the moment, take atleast a year to research and looking on various sites. Buying a home in London is like buying your own life 😂. Save money for atleast 2 to 3 years. If you already have a good deposit which is usually 5% of your property, it's around £20 to £30 for a property worth at least £320000. Don't rush into property especially if you are thinking of London. It's not just property but the other costs too. So get in touch with a good property dealer and then it will be easier. But not this year, around next year is a good time. By the way I live in London with my family. Good luck.

[@choncord]

It is impossible to buy a house in USA or Canada after 20 years of living and working on a basic wage .😭😭

[@munazzalatif2756]

Possible

[@kailasavhad2985]

Thanks for sharing imp information Muje ek saval tha sir.. Kya Mai India me rahke UK me property kharid sakta hoon ?

[@laveshnagria]

Hi Gaurav and Avi...I have been regularly following your videos since I was in India....and I must say I benefitted a lot when I moved here in Bournemouth recently...I actually made my packing list as per your video which you made on what to pack while traveling abroad...I haven't planned for buying a house but yes this video definitely will help in planning in case I make up my mind. Your information and advice are highly appreciated. You guys are awesome...best wishes...

[@HumTumInEngland]

Thanks 😊

[@rampurafreen2205]

Hi... I'm also moving to UK in next month,I heard that mixers are not available their.Is it true??

[@ayeshasultana3115]

@@rampurafreen2205 assalamualaikum Afreen...it's difficult to find India type mixer grinder,but you get blenders which is sufficient..but it's slow..I insist you get one..

[@Kingsknight002]

It would've been nice if you added English captions to this video. Can anyone post translation of the important points?

[@maliktemoor2701]

Monthly kintey installment app log paay kartey rahey???

[@jainikdoshi9491]

Can you also suggest what documents you need for buying a house

[@mounteverestfruits3441]

Thank you for this informative video. Did you buy a house within 6 months of your arrival in the UK. How did you manage to create your credit history so quickly? Thank you.

[@darochsaab7112]

God Bless Uh guys😍❤

[@HumTumInEngland]

thanks a lot 😊

[@bhabukgadtaula9151]

Congratulations from Nepal.

[@Createmomoriesnothate]

Does government offer loan and 20% off rules to tier 2 skilled worker as well, also if we are working in uk for 2 years can we take a home

[@HumTumInEngland]

Gov. offer 20% Help To Buy Equity (5years interest free) and bank provides the mortgage (home loan)

[@Createmomoriesnothate]

@@HumTumInEngland thank you for the information, can we buy home if we are on work visa ?

[@abhijeet.singh19]

Guys always grow your money in low risk high return opportunities in the equity market. Housing can always wait. Instead of binding yourself for life by paying mortgage payments aim to be financially free first and then go for housing.

[@kadambini_]

At 6:40 what is visa visibility?

[@HumTumInEngland]

Visa visibility means.. you know and sure that you have longer visa or you will get visa extension.. so buying a home won’t be a problem

[@kadambini_]

@@HumTumInEngland okayy understood, thank you :) Love your videos :)

[@sukhomoyb]

Hi Gaurav & Avi, I call you the lucky couple 👫, and I watch most of your videos. Anyway, coming to the point, "Us time hum visa pe the" - what does that mean? What kind of visa was that?

[@aaroshawambule6721]

I wanna ask onething that if anyone offer me about seasoning job for UK company then is it real or fake plz talk me about it more how much it takes for working visa

[@illusions9605]

Can we apply for a mortgage on a skilled worker visa? Just newly arrived in this country 3 months ago. I have heard we cannot

[@HumTumInEngland]

No, After a year you can try.. as Banks are getting very strict now for giving mortgage to people who are on visas.

[@shaileshchaudhary102]

Gaurav & Avi, need your input I will be moving to lamington spa May 1st week with family and looking for apartment , can you suggest areas where I will search and any reference.

[@HumTumInEngland]

search near “the parade” road.. if you can get!! so the station and town centre will be near by 👍🏻

[@anjugoel2353]

Research Krna carpet , solicitor k liye aap bol rhe ho. ...video helpful tb hoga jb aap solicitor nd local best nd cheap market etc info daalo video m

[@yakeshmodi]

Inspiring !! What’s the profession of both of your? Pls share that

[@ranjodhveermalhi]

Sir meri beti 12 years ki hai or beta 8 year ka hai ,kya hum study visa pe a skte hai,bacho k liye study free hai ja nai

[@yogeshk9873]

How much monthly emi you pay if you take loan around 300,000 pound,

[@HumTumInEngland]

you can check online on any mortgage calculator

[@anubhavshrivastava1361]

Informative content with lifestyle vlogging, Can I purchase a house in a different city against which I am working right now?

[@pankajkumar-jr8ju]

Hi Gaurav i am also moving to Leamington spa

[@shabibraza]

On which visa category you guys were? I m on skilled worker visa but ppl are saying u can't get help to buy

[@nailaumar3658]

Masha Allah Beautiful couple Solicitor ki fees kia thi, plz let me know

[@Rajeshkumarkumar-y9f]

Builder?? Or developer or estate agent?

[@TheAyan111]

Congratulations! Are you on ILR now? After getting ILR, do you get preferential interest rate during mortgage?

[@prernasweet-d6u]

I want to know about , how v much gold v can carry along with us to uk . Reply , it’s urgent

[@razamughal9095]

as much as you want

[@avinashkorpe729]

Kya sweet VDO है made for each other CUte couple क्या mutual understanding है congrant 🌹🌹

[@pervez9834]

2027 were u students? Were u UK nationals? What mortgage lenders or brokers did u use. Can you give us a pointer

[@novideo6237]

After how many year you bought it ..

[@Abhijeet08Singh]

You never told about the emi amount... Whether buying a home is beneficial than renting? Kitna cost aaya? Ye sab unanswered raha...

[@inderrsiingh]

Koi aise video bano jisme ICT visa person got converted his visa to general tier 2