This is such a great video! Home buying is SUCH a process!! I liked that you included all the grown up adult details haha, not just the fun browsing process!!!

@becxupnorth

5 жыл бұрын

The Lavender Lifestyle thank you!! I hope it was informative and helpful xxx

My hubby & I are 23 and we just bought our first build together! So exciting!💕🏡

@becxupnorth

4 жыл бұрын

Ahhh good luck!! 🥰

Honestly think i’ve watched your moving vlogs about 10 times! Love seeing the process and how different it is when you buy a new build! ❤️

@becxupnorth

4 жыл бұрын

Awh thanks gal!! Xx

This has been soooo helpful! Ive spent weeks researching different steps of the buying process, you have put it all into one! Well done on getting such a bargain too with all of the incentive's! We are interested in a Bellway property too, so hoping we will be as lucky as you!

Just finished the video and I have to say it was very imformative. I really appreciate the time you spent into making this. Thanks so much!

What a really nice idea - to do this video for first timers. It will really help. I'm a homeowner already. What a feeling it is to finally get in your home. Congrats.

@becxupnorth

4 жыл бұрын

Thank you! 🥰

An update almost 2 years later: A lot of people get in touch to ask if I recommend Bellway after my personal experience as a customer. No, I personally do not recommend Bellway Homes, and I will be making a video detailing my experience as their customer and the quality of my home.

@bonneymarieee

3 жыл бұрын

Looking forward to hearing your review!!

This has got to be the most informative video I’ve seen of the whole process! Thank you! 😊 will certainly be watching this on more than one occasion too with my note book in hand 😆

This has been such an incredible video. It helped so much to know what type of things to expect! Thanks so much!!

@becxupnorth

4 жыл бұрын

I’m glad you found it helpful!! ♥️

super helpful video, thank you!!! I've just realised you're just a couple days away from your first year anniversary in your new home, congrats!

Literally rewatching this for the 3rd time 😂 Honestly this video is by far the best one I’ve found..thank you so much for how detailed you are!

@becxupnorth

4 жыл бұрын

I’m so glad you think that! Thank you 🥰

Well done to you both i bought my first place at 26 and remember a email from Peter Lane to say everything has gone through I was on my lunchbreak at work I was so relieved This video has made me want to buy again

Thank you for this video. Been looking to buy a home for the first time, and this has made me understand so much more x

Such a helpful video! Have been coming back and using your video at each step of our house-buying journey :) Thanks!!

@becxupnorth

5 жыл бұрын

Ah thanks you, I’m so glad its been helpful xx

This has been the most useful video for explaining the whole buying a house process. Looking at ISA's and the equity loan has left my head hurting. Amazing video and very informative. Can't wait to buy our house in Northumberland soon! Now to watch the move in videos :D

@becxupnorth

4 жыл бұрын

Thank you so much, I’m so happy people are finding it useful! Good luck on buying a home!

Great video. My husband and I are literally in the middle of the process of buying our first home. It's so stressful! Thanks for sharing your experience with us!

@becxupnorth

4 жыл бұрын

Good luck with the house!! 🥰

@ellaale1205

4 жыл бұрын

Why is stressfull?

This video has filled me with hope. The house we want is like 20 k out of reach..but there are about 4 or 5 other estates and companies in the same town.. competition might mean bargaining them down :)

We are moving into a bellway Oakwood in 2-3 weeks, so excited! Great video :)

Extremely helpful thank you. Me and my partner are looking at moving out within the next year or so. Thank you!x

I know it’s a bit late only just watching this now, but congrats on the house! Getting ideas of the process for when i move out. :) xxx

@becxupnorth

4 жыл бұрын

Thank you! Good luck on your move! Xx

This was super helpful and interesting! As someone who wants to buy a home someday knowing all the ins and outs and extra costs was very eye opening!!

@becxupnorth

4 жыл бұрын

I’m glad it was helpful! Thank you for watching! 🥰

Thank you so much for this video, you've explained everything and anything involving buying a new build house i feel a lot more at ease with the buying process now. Again thank you!

@frankiehayes8380

4 жыл бұрын

also I was wondering how your experience was with bellway? was it positive because I'm thinking of buying with this company however seen a few negative review? has the house been finished to a good standard, if not do they complete the work quickly

@becxupnorth

4 жыл бұрын

Thanks for watching! The experience has been ok, it hasn’t been without issues and we’ve been here 5 months and still have unresolved snags but nothing major - they have been nice and have been getting things sorted, just slowly!

Congrats guys 😊

Hi Becx,Thank you for your advice and support. As always, I am grateful to hear your viewpoint. Your latest advice about buying new hause helped me consider new possible choices.Good Luck!

@becxupnorth

4 жыл бұрын

I’m so glad it was helpful! 🥰♥️

@aburkhon9136

4 жыл бұрын

Hi BecxBlogs , i don't have a mony for 5% deposit can i get a mortgage or have you any advice? Thanks! Regards, Abror

Thank you so much for the video. This is so helpful. Really appreciate it. :)

Literally must have watched this 3 or 4 times it’s so helpful 😂 💛currently trying to buy our first home in Cramlington!

@becxupnorth

4 жыл бұрын

Ah I’m so glad you found it helpful!! Good luck buying your home ☺️💕

Great video! Found this really helpful, nice and honest also which is great! Thank you, really wanting to buy a new build but it's all so confusing! This really gave me a great outlook on the possibility xx

@becxupnorth

4 жыл бұрын

Thank you so much! Good luck on the future house buying! Xx

I may be late to the party. However me and my partner are so close to completion and watch this gas bought me so much comfort!!

Thanks so much for making this comprehensive video, Becca!! So so helpful. We are buying our first house (in our mid-late thirties!!) And it was so helpful to find how you found the process!! We're going to start looking at new builds as we can get the help to buy to help increase the amount we can borrow. New to your channel but I'd love to know if you did a video 6 months on of buying your home? Xx

@becxupnorth

4 жыл бұрын

Ah thank you! I’m so glad you found it useful! Good luck on your house buying 🥰 and I do plan on making an update video! Xx

So good! So much info, congrats you guys XX

@becxupnorth

4 жыл бұрын

Thank you! ♥️

I'm at the very early stage of buying, unfortunately no hubby to share costs with, so working on that! Thanks for being so transparent and sharing all the not-so-fun bits!

@becxupnorth

4 жыл бұрын

Thank you for watching! And good luck with the house buying! ♥️

So informative! Thank you!! 🥰🥰

congrats!!!! What an amazing opportunity.

@becxupnorth

4 жыл бұрын

Thank you so much!!

This was such a helpful video! We are looking at starting the process early next year and I'm very nervous! This has helped a lot!

@becxupnorth

4 жыл бұрын

Thank you! I’m glad it was helpful ☺️

Thankyou for doing SUCH a good job on this video. I am currently waiting for my mortgage to be accepted and this has helped my nerves so much! I hope you have settled into your house xx

@becxupnorth

4 жыл бұрын

Thank you! I hope the house buying goes well for you! 💜

@jadedevonshire5149

4 жыл бұрын

BecxBlogs currently still waiting for our mortgage acceptance 😫 fingers crossed! 😬😬xx

@JOYALEXIS

4 жыл бұрын

How did it go hun 💕💕💕

This has been sooooooo helpful!!!!! Thank you so much!!!

@becxupnorth

4 жыл бұрын

You’re very welcome!

I thought I recognised that area... lovely home!

I loved watching your process especially because we recently completed and I used this vlog as guidance. My husband got a little fed up because I repeatedly watched this same vlog at least 20 times during the X3month process 🙈xx

@becxupnorth

4 жыл бұрын

Ah thanks gal! Good luck in your new home!! 🥰

It’s so weird to see the difference in buying a new build in England compared to NI, me and my partner are buying a new build 3 bed semi with everything included in the price, flooring, integrated appliances, turfed garden, and fencing for just over 160k. I couldn’t imagine having to pay for all your finishing touches! Fabulous informative video helped a lot thank you 🙂

This video was so comprehensive and helpful. How have you found your experience with bellway since?

This is so useful, thankyou so much!

@becxupnorth

4 жыл бұрын

I’m glad it was useful!! ♥️

Had no idea about ISAs, why dont they teach us this stuff at school😭😭 thanks alot!

@brendanm4179

3 жыл бұрын

Because they come and go. Nothing ever stays. But I agree. Banking and finances like a mortgage should be taught more

Thanks guys

Found your videos very useful we recieved our mortgage offer yesterday 😆. Also buying a Bellway home.

@becxupnorth

4 жыл бұрын

Ah good luck!!!!

I literally have not been able to stop watching your moving vlogs. We're 2 months into the process since the offer acceptance and literally about to receive the contracts in the post. Feel so sick but it's like an excited sick lmao

@becxupnorth

4 жыл бұрын

Ah good luck my lovely!! 🤞♥️

This is an awesome video! Me and my fiancé are thinking of buying a house and this was so much good information to have!

@becxupnorth

4 жыл бұрын

Thank you!! Good luck on the house buying!!

@RCX_Games_

4 жыл бұрын

BecxBlogs thank you!xx

The help to buy ISA has stopped now but Lifetime ISA is still going and the bonus is the same but you have a bigger limit on it of like 4K which I've gone for as I've started saving for my first house as i'm planning on buying a new build in 2 years times. I love this video as gives an idea of what goes on and will help me and others in the future. Love from Manchester/Birmingham xx

@becxupnorth

4 жыл бұрын

Thank you!! Good luck on your house buying 🧡

I've learnt a lot thx planning to buy end of the year first time buying by myself yikes! Wish me luck 😊

@becxupnorth

4 жыл бұрын

Good luck!! ♥️♥️

Great couple , congratulations you deserve it .

@becxupnorth

4 жыл бұрын

Thank you!

Hi, not sure if u know now cause this video is older but to the help to buy scheme after five years you pay only the interest, which will grow each year. What u can do with that is when u remortgage you will ad that to the mortgage but then obviously u will be looking at a bigger monthly payment or save up and pay it up like that but 20 percent of a house is quite a lot depends now on your financial situation and if u are willing to save

Congratulations on your new house. Been wanting to buy a new build for ages but struggling to get a mortgage even when am will to give them all my wage. That's how bad I want a new house. Anyway. One day hopefully but it's great seeing you explain the process and get joy at the end of it. God bless.

@becxupnorth

4 жыл бұрын

Fingers crossed for you my love! 🥰

Such a great video really helpful! We are currently a month in our process of buying our first house! We are buying a older house so its really interesting to see how different it is buying a new build.. we had to pay for a surveryor which was £425 to basically check the whole property and give a lengthy report back detailing every single nook and cranny 😂 Congrats on moving in hope ur settling in nicely hope fully we are only a few weeks off completion xx

@becxupnorth

5 жыл бұрын

Oh gosh thats a lot of money!! Thank you very much as well 🥰 xxx

@nicolahowson295

5 жыл бұрын

@@becxupnorth Yeah it was pretty steep but its like anything you don't buy shoes without trying them on so you can't buy a house without finding out its flaws!! It does have a few flaws but is what is expected in a older property!!

@lifeoflinny79

4 жыл бұрын

Hi Nicola did you use help to buy for an older house? I want an old house but can only afford 5% deposit at the moment

How many houses did you view before settling for that one?

Hi Becx what bank did you save your help to buy ISA?

This is so relatable as me and my bf bought our first place nearly three years ago now. It was one of the most stressful things but I’m so glad we had a mortgage advisor to help us. Although I’ve said that we’re never moving again lol. Good luck with the rest of the home stuff xx

@becxupnorth

5 жыл бұрын

Glad you liked the video! Yeah its definitely quite stressful! 🙈 thank you xxx

Thank you for this video! Would anyone be happy to share their solicitors and conveyancers please?

This is such a good video thanks so much because my grandson wants to buy a property with his girlfriend so he will love it.❤️❤️

Hey Bex, have you considered becoming an amazon affiliate and having links to amazon for the equipment you use in the description section, to allow people to click to the item and then you can get commision based on the sale of any items on amazon in 24 hours.

Congratulations!! 🏠 This video is amazing! We are buying a house. We exchange on Monday 16/9/19 and I absolutely hear you about how slow the solicitors can be! I have never been so stressed in my life. I just keep telling myself ‘less than a week’ 🏠

@becxupnorth

4 жыл бұрын

Thank you!! Good luck in your house move!!

Really helpful

@becxupnorth

4 жыл бұрын

Glad you liked it!

Hey guys, I'm also in the process of buying a house from Bellway, soo stressful 🙄 did you guys use the Mortgage Advisor and Solicitor which they've recommend X P.s. your blogs helping me so much 😀

@becxupnorth

4 жыл бұрын

Thank you 🥰 we did just use the recommended ones!

Have your estate management fees changed since you moved in?

I really enjoyed watching this. My husband and I are putting into a help to buy ISA. I’m more excited now that I’ve watched your journey to owning your own home. I gathered you bought in Newcastle. We will be looking to buy outside London. Can I ask how much you saved in your help to buy and how much your house was? It’s ok if you don’t want to answer of course. I’m glad to know you weren’t working full time. I’m a stay at home mum at the moment on UC I won’t be able to work til next year. and my husband is the main earner. Thanks for the video again! 👌🏾

@becxupnorth

4 жыл бұрын

Thank you so much! And of course you can ask. We saved just under £9k and our house was just under £180k, I think its much cheaper up in the North East than it is down there though :(

@theajayis-

4 жыл бұрын

BecxBlogs that’s fantastic! It lol take us 3 years to save that up but I’m really excited about it now. We have 4 children and really need something secure and calmer environment. My husband was explaining the equity loan to me yesterday my brain became a bit frazzled lol. And I also was like but how do you pay it back.. you remortgage! Brilliant. Yes London is soo expensive! We are renting a 3 bed maisonette from council at the moment, it’s valued at £600,000! Insane! 🤯

You two are so cute ❤️💙

@becxupnorth

4 жыл бұрын

Thanks babe! ♥️♥️

Did your process include a paperwork from the Homes Community Agency? We are still waiting for our completion as the seller is still waiting for a paperwork from them. Its a help to buy new build as well.

@becxupnorth

4 жыл бұрын

Do you mean the NHBC? X

This was so insightful! Thank you for sharing your experience! How were you able to get a 5% deposit from Bellway in addition to the 5% deposit you saved?

@becxupnorth

3 жыл бұрын

It was just an incentive they were offering as we were one of the first people to buy onsite. They needed to sell the first few houses to encourage more buyers and it also meant we had to deal with a lot of building work in the beginning!

Hello! I’ve just come across your video and channel, I loved this video. So informative, thank you! I have subbed ☺️ myself and my boyfriend are currently saving to buy a place and we are considering a new build and help to buy equity loan. How does it work after the 5 years and re mortgaging? Will that just pay off the loan? Sorry for the personal questions but I love the idea of the scheme but the interest rise after 5 years scares me and puts me off x

@becxupnorth

3 жыл бұрын

katieelizabeth I can’t say I know all the answers as out mortgage advisor will be helping us, but I believe when you remortgage you use the money made from that to pay off your equity loan before your interest starts x

@katiearis

3 жыл бұрын

BecxBlogs ah okay Thankyou! I’m now binge watching your videos 😂 hope you’re still enjoying the house x

I'd be really interested, 5 years on, what you've decided to do with the equity loan - as in remortgaged to include it or just paying off the interest for the time being etc

@becxupnorth

2 ай бұрын

I'm making a whole video on it this year 🥰

Hi lovely, just wondering did you and your partner paid for any upgrades/ finishing touches? If so how much to you think is a reasonable amount to save up for this? Xx

@becxupnorth

4 жыл бұрын

We didn’t! We got free incentives as we were one of the first to buy so I unfortunately can’t help with that one xxx

Which solicitors did you use? Were you quoted about £1000? I live in the same area and looking for a recommendation x

@becxupnorth

4 жыл бұрын

We used a solicitor in Sunderland however we wouldn’t recommend them as they were bad with customer service! We paid about that though X

Just think you will have lived in your new house for a year in a couple of weeks. It's a shame we are in Lockdown you could have had a massive house party to celebrate. Still love watching your videos with your journey on house buying. Stay safe xx

@becxupnorth

4 жыл бұрын

Thank you so much ♥️

Okay I am a bit young so I dont get all the mortgate part. So youre saying is, you need to pay 5% of the house upfront. In this case they gave you 5% for free? Then you get an equity of 20% with 5 years interest free. Is that from the same place you take your mortgage out with or someone else gives that? Once you pay the 5% the house is yours?

@becxupnorth

4 жыл бұрын

An equity loan is a government scheme so its from them 😁 so 20% is owned by them until you pay it off. Once y pay your 5% deposit and complete on the house you can move in!

@VibrantDesigns

4 жыл бұрын

@@becxupnorth Thanks for the quick reply! Regarding ISAs can you take the bonus out yourself or does your solicitor have to do it? Can you do it multiple times? Or just once for your first house?

How do the mortgage payments work? Did you and your partner had to open a joint account? Thanks for this. It was very informative

@becxupnorth

4 жыл бұрын

You don’t have to open a joint account, but lots of people do as its easier to share bills. You just tell them what account to take the money out like any other bill 🥰

Great video...can u apply for a help to buy as a part time employee? My partner does full time and is the main earner. Will this be ok:)

@becxupnorth

4 жыл бұрын

I’m part time, so yes!

This video has been so so helpful, thank you so much for sharing! My boyf and I are starting to look next month so this was exactly what we needed! 😊 Quick question - how did you go about picking a mortgage advisor? Was it through NatWest who you got your mortgage through? Sorry if that is a stupid question!!! ❤️

@owenmills1596

4 жыл бұрын

I would recommend a freelance mortgage advisor as then they are not biased

Thank you so much for the video it was what I’ve been looking for I hope to see more videos good and bad in terms of having your own house what problems came up and how it was solved thank you once again 🙏🏽

@becxupnorth

4 жыл бұрын

Thank you!! I do plan on making more videos!!

do you have to pay ground rent and is it capped?

@becxupnorth

3 жыл бұрын

Nope!

We used the 20% help to when it first came out in 2013 we have now paid off that loan and put it within our mortgage it worked really good for us I was only 20

@becxupnorth

4 жыл бұрын

Its good to hear when it works for other people! I’m sure it will be the same for us! Xx

@junaidmalik7712

3 жыл бұрын

How did you pay it back.

The help to buy equity means after 5 years..in year 6, you will be paying the interest in the loan ONLY. You have the pay off the actual loan itself and the loan needs to be paid back in 5k increments as a minimum, better to increase deposit and reduce the help the buy to e.g. 16%..

@becxupnorth

4 жыл бұрын

Timothy Cooper no, we will be remortgaging after the 5 years as with our mortgage advisor and paying it off in full, so you don’t pay interest and it works out more affordable for people like myself with lower wages 😀 but everyone should do what suits them

@timothycooper953

4 жыл бұрын

Great video btw!​ 100% Everyone should do what individually works for them...but few things to think about for the future and not just the immediate urge, where possible to reduce that 20% could save alot of money in the future with compound interest.. better to increase the mortgage or deposit. I am buying a house myself which is what lead me here. Few things to think about with the help to buy is that the government do have a stake in the property, some people have had horror stories where they were unable to remortgage with a different provider on a cheaper rate with the government stake still there.. (down to individual circumstances i guess). Interesting that you've been advised you could remortgage to include the help to buy piece in year 5...unless there is a significant change in earnings or you've paid of a large chunk of the mortgage in year 5 i wonder why they would allow the mortgage to be increased with a nominal increase in the equity? I will check this out though, i don't work in mortgages but that's interesting and if it is possible, helps me out too!

This video is literally a godsend. Me and my partner are currently saving using the ISA help to buy scheme and we are looking to purchase a new build in the next 12 months. Can I ask you though, with the 5% deposit you paid the seller, did that include the ISA bonus also? I’ve been told you can’t use the ISA bonus towards your exchange deposit, but you can for your mortgage deposit, and that confuses the hell out of me 😂xxx

@becxupnorth

4 жыл бұрын

You cant use your ISA bonus towards a deposit as you can only claim it after completing on the house! Good luck on buying!! Xxx

@kayleighfreeman2211

4 жыл бұрын

BecxBlogs what did you use your bonus towards if you don’t mind me asking? Is it true they give you the money back and you can use it on whatever you want? Haha sorry for the questions! I literally loved your Vlogs, it’s getting me excited but I have a year of hard saving 😩xxx

@becxupnorth

4 жыл бұрын

No need to be sorry! We used it for our solicitor fees, which are the most expensive fees you’ll have when buying a house. And what was left was given to us in a cheque from the solicitor and we bought curtains 😂 xxx

@kayleighfreeman2211

4 жыл бұрын

BecxBlogs okay thank you so much for your help! And congratulations on your new home, even though I’m slightly late watching the videos 😆xxx

You mean Eric and I!

I'm moving house with my mom and brother once lockdown is over but we are downsizing and I love our house I don't want to leave ahhhhh

@becxupnorth

4 жыл бұрын

Awh good luck lovely! Xx

@amywhitehouse8716

4 жыл бұрын

@@becxupnorth Awh , wow thanks so much! X

earned a sub and like as my partner and i are also in the process, currently waiting for the mortgage application outcome

@becxupnorth

4 жыл бұрын

Ah good luck!!

Is it possible to do this solely on your own on a single income or do you have to buy as a couple if you're married?

@becxupnorth

4 жыл бұрын

Its all about income, anyone can buy a house if you earn enough 💜

@theresaboateng90

4 жыл бұрын

Thank you x

Me and my wife saved 40k for 2 years on low waged jobs while renting as a deposit, we bought our first home which was valued 130k with a mortgage of 90k. We then sold 3 years later for 170k and was able to put 90k down on our next home valued at 225k which was a new build and with the monthly costs been roughly the same. It would seem that youngsters nowadays are going directly to the top rung of the property ladder and stretching their finances to the very limits on their first homes. I hope it all works out for you both and we'll done.

Solicitors are a law unto themselves and at around £250 an hour an expensive one at that.

PMI pretty much is the rule with the title company it sucks just paid $98 month in 2012...everything is so slow house buying

Their horrible to everyone I had been married to someone many years prior for a short time. Didn't think it was a problem but it was cause I never even divorced. They knew it and never said I had to divorce until I could get it.i know I should've had it done but its one of those things...but they told me the day I was supposed to sign and get keys. My previous house was packed ready to go. I could've screamed

I’m so stressed out I’m buying my first house in the next 6 months but moving in alone 😅

@becxupnorth

4 жыл бұрын

Honestly it is so much easier than you realise!! You got this xxx

management fees?

@clareb8015

3 жыл бұрын

I reckon they pay a service charge to management company.

Those stairs do not look up to code your foot barely fit on step...

so car finance didn't stand against you in the eyes of the mortgage lender, i was thinking about maybe trying to pay off my car finance before looking for a mortgage...

@becxupnorth

4 жыл бұрын

No it actually helps as it gives you good credit and shows you can pay regular bills, similar to having a credit card 😊

@jasonhoulihan9327

4 жыл бұрын

@@becxupnorth thanks :) Also, very helpful video, as i'm looking to buy using the same methods as you (Lifetime ISA, 5% deposit and equity loan). Anything you would have done differently to save you stress/money

@becxupnorth

4 жыл бұрын

Probably not bothered with the mortgage advisor and just applied for the mortgage ourselves as that was a hefty £500 for no real reason!

I feel like I’m adulting by watching this video I have always been interested in house investments I’m 22 and no job yet 😬😬😬

@malicahamilton

4 жыл бұрын

Lazy Girl lol same 😂 I’m the same age and in the same situation 😬

Searches is title clearances.its all horrible

Am I weirdo ? trying to buy 1 bedroom house just for me .

@becxupnorth

4 жыл бұрын

Homib Moses not at all, our friend who lives round the corner bought a house for just him 🤷🏻‍♀️

Wait ? Why are u paying £1 a month for 5 years ? You shouldn't be paying anything

@becxupnorth

3 жыл бұрын

Lisa Goodman you have to keep a Direct Debit open until you make repayments & for any early repayments, the minimum DD fee is £1

@Lisagoodman30

3 жыл бұрын

@@becxupnorth we havnt had to do that and were just coming upto 5 years now

@becxupnorth

3 жыл бұрын

Its a management fee, all the info is in here, everyone with a HOA Equity Loan has to pay it hoa.org.uk/advice/guides-for-homeowners/i-am-buying/help-to-buy/

Great video and very detailed process which is exactly what I have just been through with Bellway!