Buying a house in the UK: no job, house price, location, deposits, moving back to Sweden OR selling?

We bought a house in the UK, in this video, we cover everything you want to know, The cost, our salary, our budget, the process of getting a mortgage and so much more. We also finally answer your questions about Sweden, what we have done with the house, and when will we move back. Enjoy!
---------------------------------------------------------------------------
Buying a house in the UK with no job | house price, location, deposits, moving back to Sweden?
Publish date: 06/03/2023
Film date: Jan 2022- May 2022
46,450
---------------------------------------------------------------------------
Any questions? [e-mail]
Naomi's Instagram - naomicbc
---------------------------------------------------------------------------
01:46 why did you leave Sweden
02:17 Naomi is a doctor
03:03 why buy why not rent
03:18 salary and outgoings
05:58 criteria to buy your house
08:02 why not use the help to buy
08:15 how many viewings
08:57 how is our cat, Lola
09:50 exchanging and completing
10:26 the cost of the flat
10:57 5% deposit
11:06 getting a mortgage before starting a job
11:30 saving tips for deposit LISA hack
12:57 extra costs
13:30 cost of the mortgage
13:55 buying a flat leasehold tips
14:23 location of the house
16:22 plan for rising interest rates
18:26 plans for the Swedish house
18:55 moving back to Sweden
21:34 why buy a flat
21:50 did you use a mortgage broker
24:07 how long did it take you to renovate
24:26 when did you move in
24:56 how long will you stay in the new flat
25:24 Naomi, are you studying full time?

[@RiddimKingdom]

As someone with a Swedish partner I know the UK life vs Swedish life and I absolutely know wholeheartedly that Swedish life is exponentially better. The food, the people, the air, water, lifestyle, scenery and of course government and government protections, free education, free school meals, childcare etc. But, like you, we are both living in the UK currently because of our jobs. We cannot wait to leave again though. You just don't realise how expensive UK life is and how little you get for your money until you live elsewhere.

[@stellita884]

Amen. Been in the UK a decade but I lived in Sweden during the pandemic for a year and a half. All the things you listed. Spot on. I just hate snow and darkness (although the UK is also pretty dark in winter) so came back but been struggling with everything. I feel like my tax moneys go wasted. I sit on the higher band (40%) and I get nothing. Others get it. In Sweden they reward those who work. Here they reward those who make babies. The neighbourhoods are ugly. It’s ugly ugly ugly. Just houses and thrash especially here in Uxbridge. It’s been a year and I can’t bloody get over how ugly everything looks. Lots of misbehaved kids everywhere, parents at home using meth with my tax money. Houses that are crap. In Sweden they keep houses sooo well, always working on them. Here they just fall apart. They have ZERO insulation, lots of condensation and mould. Horrible. You get over charged for shitty houses in shitty locations for the mere pleasure of living in this country. Weather is just dull. I’d never buy a place here. I’m going to the Canary Islands first and Costa Rica next, after the war starts. I’m hoping the best days of my life are just ahead of me. Say hi to Sweden for me if you make it back there!

[@will580]

@@stellita884 Just curious, after what war starts?

[@Jojoeyjo]

@@will580I’d like to know too?

[@liszaf3976]

@@stellita884 Blimey you poor thing, I live in Notts, beauty everywhere, fantastic old architecture and tree lined streets, ots of green space and country parks close to the city! I think t depends where you live, my best friend lives in Sweden and she's a teacher in a terrrible area, she gets sworn and insulted on a regular basis, and craves the sun the whole winter when it is just dark!!!! I also don't understand if you hate something so much why do you stay, just leave, I have moved country several times!!

[@RF_Burns]

@@moniquel6273 How do you provide a roof over your heads if you're not working? Your partner/kids farther works and provides this?

[@judithgreen3689]

It will be great again! I'm a 75 year old woman and I've bought low enough to notice that yes neighborhoods change. Don't buy high, buy low and wait for the neighborhood to revitalize! It will. I'm from the states, been following you since your first started vlogging. Happy to see you, again. Congrats on your medical studies.

[@madhouse8301]

Came for the Swedish adventure story, staying for the beautiful chemistry between you two! 💕

[@misshoneynevercame4832]

Happy for you guys! Also love the transparency. These are the types of videos we need instead of so called gurus telling us lies.

[@Hello-yn2dx]

Agree love truthful warts and all videos. Good luck with your studies and hope you enjoy your new home.

[@HmmM-wn1dx]

Definitely, for someone who was struggling to buy a house because of the lack of information ,now at least I have an idea. Thank you guys.

[@nana59ization]

Huge congrats Naomi on your journey to become a doctor🎉

[@nadfowler4171]

You guys are great for being so transparent!

[@Anderslisa90]

They are crying out for doctors in northern Sweden, great shortage. Just a tip! They usually have special Swedish courses for foreign doctors to quickly get them into working life. If you want to move to Sweden again. You have to think about the cat. She probably wants to move home...😎👍💥

[@sue112]

I am so happy for you both and I'm glad you visit my country 🇬🇧🇯🇲 I hope you enjoyed it 💖💖

[@darriendastar3941]

This should be essential viewing for any young couple trying to buy a home in the UK. Masses amounts of solid good advice. Well done.

[@NaomiandJack]

Thank you, it's definitely something I wish I had known prior🥰

[@gracesiby6020]

Congratulations Naomi and Jack on your new home👍👍👍👍🙏🙏🙏🥰🥰

[@patricialee7919]

Oh, it's great seeing you guys again. I missed you guys and thought about you often .I will certaintly be following. Congratulations 🎊 so happy for you .Beautiful couple Xx

[@paulineallen7621]

Congratulations you two. I started following while you were both still living with Naomi's parents, but seldomly comment. Enjoyed the drone coverage while in Sweden and shuddered as you both took your ice baths. Love your approach to life. I taught the art of budgeting to all my 4 daughters and only one truly lives by it and it shows. Will continue to watch as you grow and hope that Jack does not become too anxious about being on videos, you look great together. Cheers.

[@CountryKindOfCrazy]

I'm so proud for you both

[@growqueen]

I am not interested in purchasing a house at present, I am just watching this as I find you both so lovely to watch and listen too. :)

[@NaomiandJack]

Awh thank you for staying tuned in xxx

[@growqueen]

@@NaomiandJack 🙂

[@thetad1242]

This South African had lost contact with you(r videos), I'm glad to see you once more. I'll check other videos

[@ruthgreene3100]

I'm so happy for the two of you on your amazing journey. Looking forward to the next video update. Stay Safe. Love you both much💚

[@ancat2521]

Glad to see you again. Watching you from Barbados.🇧🇧🇧🇧🇧🇧🇧🇧

[@judywilson9003]

Nice to have you back I miss you guys.

[@georgiabrown8457]

Congratulations guys,hats off to you Naomi for finishing your study for now and waiting for to hear the final studies. God bless you both. Welcome to Jamaica, hope you had an enjoyable stay and enjoy the warmth of the people of Jamaica. 🇯🇲 Is my country 🙏🏿🙌🏾🙌🏾🙌🏾❤️❤️❤️❤️❤️

[@missprettyonabudget]

I am so happy to hear what is going on with you all! Yes I missed your faces. We are also house hunting for a very long time now in Sweden, but we just haven't found anything yet, I guess because its winter. Your experience helped us a lot but we are still very unsure what is the best place and will we be able to actually find a home there. We just moved from US to Greece so you can imagine the hustle, with two cats yes! Trust the process I guess. Sending hugs to both ❤

[@rosaekbom7234]

yes in winter they don pt many offers out

[@marigoldbeam5475]

Congratulations on completing your studies Naomi and on the new flat guys. Better to buy low in an up and coming area, and watch the value of your property rise. And thank God you have escaped the bottomless pit of making a landlord rich.😊

[@udawyma1682]

Looking forward to following you again!

[@jeremyr8793]

just stumbled across ur page and im randomly watching and listening and them I hear Slough lol. Still watching from the gym in Slough lol born and bred and bought my place here 2019 lol.

[@NaomiandJack]

Haha hey neighbor

[@jeremyr8793]

@@NaomiandJack Hi, how are you finding sunny slough lol

[@janicerobinson2970]

Well Done Guys most important thing is you are on the property ladder I did watch you in Sweden and looked amazing You Both Young you’ve got many years in front of you nobody knows what’s going to happen in life I wish you all the best you guys💕👌

[@mseula44]

Congratulations! I have missed y’all sooo much!! Welcome back!!!

[@ikramikram7205]

I love to see you both thriving. Love the teamwork and that both of you are working together towards your goals. I adore both of you. Hugs from a huge fan from Amsterdam ❤

[@MsSculptress]

Congratulations, Well done, Big up Jamacia and you both look so good. xx

[@lavernejackson1958]

Welcome back! You guys are doing great.

[@soggymoggytravels]

Congratulations on completing your studies. It must be a great feeling. You are awesome!

[@glentinacamp621]

Congratulations Happy to see yall again 😊

[@julietm5753]

Yes slough is very good for renting especially on airbnb, so it really not bad area. Congratulations guys!

[@Fortune024]

WOW!!! Well done!!! Many and heartiest congratulations!!! Slough is a lovely location; it all depends on what you make out of it. Used to travel through Slough on my way to visit my daughter and family in Windsor!! Quick connections and everything so try and make the best out of it. You both have got the entrepreneurial spirit so everything works together for your good. Shalom and blessings xxx

[@AD_SammyTha_Prince]

Awesome couple..❤❤❤ missing your content...

[@sheilarivera789]

Happy for you both ! ❤️ I love opening KZbin and seeing your faces.

[@debbiesco]

Congratulations! This is so informative, thank you for sharing x

[@candacecarnicelli8145]

CONGRATULATIONS . . . . Inspired by You Two . . . and Your Authenticity and Mindfulness. Enjoy every second of Your Life Journey Together . . . Well Done!

[@lanreworld]

lovely to see you both!

[@Ali_b1009]

This gave me a little more hope to buy. Slough isn’t too bad…the houses in my budget are in Chatham 😭😩

[@denisewalker7217]

Naomi & Jack, so glad to see you both again! Naomi, I can't believe you've already finish your studies & now preparing to be a Dr.! Congrats, and much success on your journey! Congrats on your new home, also. Naomi, what part of the US are you traveling to & is it pertaining for internship ? Hope to see more of you both! Happy Saturday!

[@NaomiandJack]

Awh thank you soo much you have been with us for a while it's nice to hear from you 🥰

[@NaomiandJack]

It was a one month elective in radiology xx

[@gloriamarioghae7650]

Good to see you guys again.

[@Melfidi]

Thank you so much guys for being so transparent, you guys have no idea how thankful iam to you ,to know that it's possible to buy a house in the UK even with a low deposit all thanks to your video 🙏😍

[@TheoriginalANGEK439]

Rental market is crazy, rents are astronomical. We brought a house, in the midlands, for £230,000 it’s small but we are on the ladder. No more bat crazy landlords. I can shut my front door and it’s ours, it needs a garden renovation. But has brand new bathroom and kitchen. Brand new electric’s. And boiler. And double glazing. And the garden is a good size. And parking on the drive for two cars. Semi detached. It’s cheaper than renting. I don’t know how people are going to cope with paying astronomical rents when they retire. It’s literally frightening. 👍♥️👍

[@NaomiandJack]

It really is crazy, renting is so expensive! Your home sounds incredible🥰 the granden project will be great for summer 🌞

[@lilia3610]

Hi from Belgium guys. You’re awsome. Congratulations for all your achievements! Love your energy and good vibes! ❤

[@Itsjustglo92]

I live in Slough as well with my husband more close to Burnham. We’re also looking to buy a house as well next year.

[@pjj5824]

Put your own stamp on that new place, sell it in a few years - it’s great you’re now on the UK property ladder! As for viewing homes before we bought…I viewed 60 houses before we bought our house many years ago (before the internet 😱) and believe it or not, we’ve never left - we have completely renovated it, it’s in a beautiful location and we love it still.

[@wholman8159]

YAY! you're back! love your videos

[@misdebicakes3475]

Well hello there. You guys are amazing. You're rich with knowledge and appear to be rich with love. Please, continue to live life to the fullest.

[@paulachin9130]

Great guys your in my country of birth, Jamaica, but I'm now residing in the UK. I hope you enjoy your stay. You guys are so informative, especially around the pro and cons of buying a house. I'm trying to help my daughter and granddaughter to help with the deposit of purchasing their own home. Things have changed since I brought and paid off my mortgage so thanks for your info So happy your back as been following you from Sweden and know you went back to your studies, congrats on your exams, lovely couple.

[@jackiroswell]

Ah you mentioned my hometown - Swindon 🙌🏾. Congratulations on your new home 🏠 x

[@JayyBee5557]

CONGRATS NAOMI ON THE MD AND THE HOUSE, BLESSINGS ON YOU GUYS, NEVER SEEN A MORE INTREPID COUPLE, ONWARD AND UPWARD !!!

[@jounithakapciak123]

Congratulations xx

[@nanoushkan6137]

Such a lovely couple. Well done to you both and have missed you, not sure how but glad to have found you again

[@peekabooicancu]

Would a trip to Australia be on the cards? You get paid so much more in Australia as a doctor (although rent at the moment is adtronomical. Some places do pay for your accommodation but you might not live in the city).

[@NaomiandJack]

👀👀 it sure is on the cards😂

[@margaretcooke7016]

So happy to hear from you guys . Glad you have been moving along and now own a Property. No matter if there is stuff to do with it, this is yours and you can do it I am sure. Congrats. Glad Kitty is doing alright.

[@aagy]

Great tip about needing to have a LISA for more than a year before using it. I was about to switch my HTB ISA to a LISA a few minutes before I saw that part, quick save. Congratulations on the new home.

[@SILVIATHEGIRLS]

Guys you are amazing ! I have just discovered your channel and you give out such useful and precise informations, 🙏🏻 Thank you so much !!! 💗

[@tmhodge01]

I looked for 2 years before finally buying my current house. I have no idea how many houses I looked at, but it was a lot!

[@NaomiandJack]

Woow that's loads tbh we were expecting the same

[@sandrawestley4193]

We’ve just down sized, we looked round about 6 properties, but on rightmove here in the UK, you can do a visual walk around properties, and go around each room on your iPad, if I included all those apartments we looked at probably the number would be about 30. We absolutely knew what we were looking at, as at our age there were several things that were make or brake the deal.

[@everyonesview]

Such a lovely couple - bless your souls. Thanks for sharing.

[@merrilynfrancis5777]

Welcome to jamrock goody thumbs up 👍 to you guys 😍

[@c.jamieson6489]

Oh wow, I remember when you started your journey in Sweden and now you’re just an hour away from me😂 small world. Congratulations to you both for all your achievements and good luck going forward 😊

[@havencat9337]

UK got so expensive...we are moving somewhere this year, just not sure where yet(depends on jobs...)

[@ms.pattipatti4299]

So happy for all your progress, everything happens for the best. You have done a lot in a short time. Yeah! Keep moving forward! 🙏🏼💝🙏🏼

[@miriamkling3346]

Thank you for sharing! It's fun to hear about how your lives are progressing.🥰

[@lorrainebarrett77]

Thanks for the update Lived in Slough on Castleview road great area with Upton Court Park and Laselles park

[@enidclarke6258]

So glad to hear from you guys. U both look so happy.. good for u keep happy and enjoy life..🙂💜👍👏🏾👏🏾👏🏾

[@zaraaden3000]

I am very happy to see you both, Jack seems more convertible in front of the camera… he is a great guy and a know in front of the camera it’s not for everyone… Naomi congrats… it’s takes a lot of work to do what you’re doing… and most of all congrats to your new flat …

[@AD_SammyTha_Prince]

Wonderful couple!!!

[@annaswanson5903]

luv this

[@scripturesoaking]

I'm curious how did u manage Airbnb in Sweden when you were back in the UK? Did u get somewhere over there to manage it for you as needed?

[@NaomiandJack]

No we air BnB one of our rooms the last month we were there she just decided to stay. She is now living there long term xx

[@jacquelinemadoo2616]

Congratulations 🌷 You're a very innovative and intuitive couple. Blessings for continued success and always enjoy your vlogs.

[@Lunatheia]

Honestly I’m amazed at how much you were able to squeeze out of your situation! Never in a million years would I have even entertained the thought of owning a house with the position you were in. I’m glad it worked out but dang I’m amazed.

[@NaomiandJack]

Haha we are creative!

[@ginamitembe8935]

Well hello you beautiful couple for allowing us into your encouraging lives!! Am so proud and thrilled your such sensible young couple!!!💖💖 Congratulations too! What you have achieved! Wish you a very successful happy, prosperity,joyful happy marriage!!!💞🥰 Please don't give up your Sweden love nest house 🙏🙏🙏 💞❣️❤️💖💞💙💯👍🥀🌷🌻

[@NaomiandJack]

Awh thank you so much, no plans to give up Sweden as of yet🥰🥰🥰

[@99Narnia]

We bought the first house we looked at, 14 years ago. You both seem happy and on track.

[@jarrahdrum]

hey I like your channel, subscribed

[@zhane3484]

Oh wow that fireplace in your bedroom! Love it 😍😍😍❤

[@ms.pattipatti4299]

Oh, I forgot is Lola still with you? 🐈

[@teggyegg]

15:24 "Other good things about Slough"...."it's a one hour drive to Swindon". And only 45 minutes to Luton!

[@heather5311]

So excited for you guys! Really nice to hear how things are going. What great decisions you are making for your now and your future. Can’t wait to follow your journey. Also consider reinstating the Patreon. Lots of love to you both and Lola! ❤️❤️❤️

[@jillkoch5296]

HAPPY to see you both again, Look forward to more

[@willvarfar]

Welcome back! :) Really enjoyed following your Swedish excursion. Was super nice to see you back in the feed again this week :) Super impressed with just sharp and persistent you are :)

[@izitmoi3036]

Best wishes, you're an inspiring couple 🌻🌞

[@cynthial5901]

Glad to see you both. You at peace in your new place, and your cat looks happy too.

[@paulamcnabb7940]

Good job

[@ajNKaj]

Short hair so suits u! As does long

[@NaomiandJack]

Thank you xxx

[@lisasgto592]

Great update and congrats on your accomplishments. Naomi will you be posting videos when you come to the States? I assume that it is an internship here?

[@jordyjakequeen8404]

A really helpful vid for those in similar situations Loved seeing the cat thankyou

[@bengt-erikandersson6276]

You are more than welcome to Sweden again. We have been proud to have you here and you are really needed with your knowledge. But you also know that it might be another thing to live here❤

[@Skattie]

You guys are sweet man ❤

[@tricialyn4645]

TY for sharing x Sending blessings x Great to see things working out before they work out in a new and exciting way!

[@genevajohnson7472]

Coming to America??? When? Where???? Will wave from a distance 😂

[@donnadavis6875]

It's been such a long time. So happy to see you guys😢.. Yeah

[@myrleenmurray1454]

Hi guys ❤❤ I’m soooo happy to see y’all; I was wondering whatever happened to both of you! Congratulations on all of y’all’s success and accomplishments, especially the soon to be Dr Naomi, you guys looks great, good luck with all of your renovations, I know you and Jack will make this house a warm and welcoming place to call home..Naomi where you headed in the States?? Im in Delaware….

[@NaomiandJack]

Awh thank you so much, currently in Alabama 🥰

[@myrleenmurray1454]

@@NaomiandJack, soo happy for you, hope you’re having tons of fun, enjoy your stay, we’re 936 miles apart here! lol, maybe on your next visit we can plan a meet up with your subbies..

[@jeanlillard3901]

@@NaomiandJack I hope your alabama trip is going well. If you are in lower alabama, you are near me, (panhandle of florida)

[@franm.6915]

Good to hear from you guys....back in merry ol' England,eh? Well good luck to you both...

[@abdullahhuss]

This was such a wholesome and open video! I loved that you both shared some much detail down to even salary. Its inspiring to see you guys making moves and taking calculated decisions for a better future.

[@NaomiandJack]

I watched lots of these types of video and I want to know EVERYTHING so If I was making a video it had to be like this, I am glad you enjoyed it!

[@kippykippyphoebe9203]

What a beautiful couple. God has blessed you both. May your love be long lasting and forever. ❤❤❤

[@ppalmer556]

Hi Naomi and Jack. Lovely to see you guys. Slough is nice I love the place and it's close to London. Congratulations 🎊

[@TheThomasdahl]

Slough or Lapland? Been to both but only ran screaming away from one of them.

[@NaomiandJack]

😂😂😂😂

[@raymanmufasa]

congrats guys on your first home in the UK. Great Vlog!... Can I have the name of the Brokerage firm please. Would love to use them. Thank you so much! Keep up the good work!

[@NaomiandJack]

Hey we talk about mortgage brokers 21:50

[@AG-so4gl]

Great info. So glad I held on to my UK property and rented it out. Been overseas 12 years now. Careful on the multiples, interest rates can sting. 3x income is adviseable.. Btw,, can you share any link for purchasing in Sweden, thanks !

[@NaomiandJack]

Check out hemnet.se x

[@thokozilezimba]

Thank you so much for your transparency, logic and positivity. Wishing you both the best as you continue your journey!