Getting a mortgage requires a good credit score and an acceptable income. Most people need to have a little money in savings and earn at least a little money as a side business to qualify. We suggest to determine how much house can i afford first, so that you know exactly what to look for in terms of mortgages.

And then there’s the mortgage insurance. This is used to cover people who need extra money in their monthly payment if their house burns down, their income drops or they need to relocate.

Can I invest in shares?

Nope. There’s no investment opportunities to be had. Shares of listed companies are like unregistered bonds. You can buy shares and there are tax consequences to selling them.

Do I need to be an engineer or know carpentry skills to buy a house?

A huge proportion of people who bought their first home had zero knowledge of carpentry or carpentry skills. That wasn’t a problem, because they had no money.

 Do I need to be an expert in painting or decorating to buy a house? You’re not going to spend anywhere near as much money on your home as you’d spend on a lavish holiday. Don’t assume that buying a house will result in the return of those 400 clothes you bought last Christmas. 6. Does it matter whether I can afford the house? It’s still the house. If you’re going to be spending money you have no right to, then don’t spend it on a house you won’t be able to afford. 7. Should I just wait until my career is over to buy a house? It’s no use if you’re unemployed. Unless you have the time and money to build up an equity portfolio, you don’t need to buy any houses if you don’t want to.

Do I need to take any personal savings out of my wage packet in order to buy a house? If you’re over 50, you will need to start saving. However, you don’t need to take any money out of your salary in order to invest in your career. For example, if you are over 50 and you earn 20 an hour, you can make up to 3,000 a year using your pension pot. 9. How much should I save? It depends on the amount of property you want to buy. A standard mortgage, on a two-bedroom flat, will cost you between 300,000 and 500,000. If you want to buy a house, you will need at least twice that amount at least 2,500,000. The amount you need to save in order to buy a house in an area where you can still live comfortably with your family, is much less. This will depend on the area and whether it is your own home. You can learn more by visiting our Finding Mortgage Interest calculator. For instance, if you live in the north of England you would probably need to save around 40,000 per year. In London you would need to save an additional 10,000.

The savings on a mortgage loan do not have to be carried as cash in the bank, but they can be. For instance, if you have a mortgage, you can borrow up to the value of your house. But you can still borrow more than this.


  1. This is totally random, but I couldn’t find where to send you a personal message. I am on 2nd gen Xterra form and came across the hatch tent thread; however, the images are not being shown.. Due to movement or something.. I was wondering if you could email me those pictures of the Xterra hatch tent at

    Thank you so much!


    1. Let me see if i can find them


  2. Hi Carlos,
    Its good to hear you chose silverlight for the FTP client, can you share your experience or some sample code on how to implement this, upload files thru FTP client using Silverlight application. This would be of gr8 help for me. You can mail me at, or if you have blogged it, pls share its path !

    Thanks !


    1. The only problem i had was on Directory listing. I could never get the entire contents of the remote directory. was this ever a problem for you?


    2. I could get more or less 100 files in the directory listing so the rest never made it.


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