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Question:  My wife and I currently rent a small flat in Nottingham. We were both recently promoted in our jobs resulting in a rise in wages. We think that we are ready to take the big jump into home ownership but we're a bit frightened about mortgage loans and the repayments. Please give us some advice.

Answer:  If there is one thing that may strike fear in the heart of any adult, it might just be mortgage loans and the repayment each month payment. Most people dream of owning in their own home, but they may not be able to afford it for many reasons. Even if you can afford it, you may not have the credit to get what you want. You may think that if you can afford to pay what you now pay in rent, you may have to rethink that. There are many costs involved with owning a home that you may not have considered.

Mortgage loans payment should ideally be one fourth of your income. Anything more than that, you may soon fall behind in your payments, which will of course mean that you may lose your house. That’s the last thing you want to happen. You also have to factor in everything that your current landlord takes care of for you. If something breaks, all you have to do is call and your landlord has to get it fixed. This means if the water pipes burst, they have to get someone right away. If the central heating goes on the blink, it is no money out of your pocket. When you have your own mortgage loan payment however, you also have to pay for all of these things on your own. Can you afford that?

You also have to factor in property rates when thinking about how much you can afford for a mortgage payment. You will have to pay these once a year, though it may be due twice, four or twelve times or a year depending on where you live. This money is above and beyond what you pay for in your mortgage payment, and this can quickly put you in debt. If you are barely making it with your mortgage, your rates are going to do you in for sure.

If you really don’t know what to do, or if you can afford to have a mortgage payment, you may want to talk to someone at your bank. They can help you decide what you can afford, and they may have ideas about how you can fix your credit, or perhaps help you set up a savings plan to help defer some of the costs of homeownership at a later date. If you have some put aside in savings, emergencies won’t make you dip into your budget, and you will still be able to make your mortgage payments loan on time.
 

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