Mortgage advice and questions

jonneymendoza

Hi i am looking to purchase my first house in london zone 4/5 and was wondering if there are any websites to check whats the cheapest and bets deal i can get for a mortgage.

am i better off just speaking to each individual bank or is there a website that can compare them all?

i am not looking over 250k for a property just to keep the stamp duty low which is 3% currently if i am correct.

How much would i need to purchase a house besides the deposit?

from what i can see, i would need to pay for the above:

• deposit(10% i will give for a 250k or below on a 30+ year mortgage)
• stamp duty tax
• solicitor fees

Am i missing anything?

Also, what are the typical expenses i would need to pay per month once i own my own property. so far i know of these things:

• mortgage repayments 1200pm
• gas ??
• electric ??
• water ??
• council tax ??
• Food 400pm
• building insurance ??
• broadband 20pm
• Car one(insurance 45pm, car service 300 a year)
• Car Two(insurance 100+pm, free for another 4 years)
• Rainy day/savings 200-300pm

I have another question though. i plan to have a stab at doing contract work as i can earn double what i am earning now getting 400 a day or more. i heard mortgage lenders dont like contractors and prefer people working on a stable perm role(nowadays what job is stable?)

Thanks in advance

peteb2

605 posts and you are asking for advice on UK mortgages on an irish site??