Housing

The ways to find accommodation:

• Rent privately; through friends, looking into newspapers, advertisements in shop windows. You can rent privately house, flat or room. Sharing accommodation is not expensive but you will not be completely independent as will have to share the bathroom and kitchen, although usually all bills are included. The danger might be – no formal tenancy agreement which will define your rights and would be a poof of address (for a bank in opening bank account).
• Rent through the estate agency. Usually you asked to provide references, work contract, there is restriction for pets and children, you required to pay high deposit and there is no allowed sharers. Deposit amount usually equivalent to the tent on one and half months rent. If you are renting through the agent you should take into account monthly cost: water, electricity, gas bills, telephone, council tax.

What else you have to take into account:

• is it water meters? It is cheaper if it is intsaled water meters.
• Check, the parking details before renting (as you might be required to pay for parking your car near your house);
• If you want to live quitly (especially working different shifts) check the flat’s or house’s partition (as usually they are very thin and you can hear your neighbours snoring).
• Check (in local council) the rules for the refuse disposal.

Some terminology:

• Linked house – connected by a link
• Semi-detached - A house joined to another to form one building.
• Detached - Standing apart from others; separate: a house with a detached garage
• Bedsitting room - a furnished sitting room with sleeping accommodations
• apartment, flat - a suite of rooms usually on one floor of an apartment house
• Studio- A small apartment usually consisting of one main living space, a small kitchen, and a bathroom
• Terrace- a row of houses built in a similar style and having common dividing walls

Social Rented housing -Is rented property where the dwellings are owned by a Registered Social Landlord (RSL).

Shared ownership properties- A percentage (25%, 50%, or 75%) of the property is in the ownership of an RSL, with the shared owner paying an affordable rent on the remainder. The individual is able to staircase up to buy out the RSLs share of the property.

If you moving your house

Usually if you moving your house or changing address you missing some letters which comes by the old address. If you do not miss important iformation you can order the service of re-adressing letters. This service might be asked for the duration from one month till two years, although there are some restrictions conering letters with note “Social security”.

How to order the service?

In post office ask for the form “redirectio” and to provide the ID (document of identity): as passport, credit card.

Whom to inform about changed address?

• Banks
• Inland Revenue (tax office)
• Mobile phone companies if you have phone on the contract.
• Employer (not to miss payslips)
• Doctors, dentists
• TV licence
• School, coledge, University, kindergarden;
• Gas, water, electricity providers
• Council regarding council tax;
• DVLA
• Insurance companies
• Bibliotheca;
• Sport clubs

Mortgage

The biggest part of the expenditures contains expenditures for the living place: renting. The option: to buy your onw property.

What documents do you need to get a morgage?

• ID (passport)
• document to proof your address (bills)
• permission to live and workin the UK
• documents proofing you are in the list of electors
• bank statement, credit cards
• description of the house you want to purchase;
• payslips

If you are buying together with your spouse- the same documents he/she has to provide

How long does it take?

6- 8 weeks in the ideal case.

How much does it cost?

• depsosti (3%-5% of the house price)
• Stamp duty (if house valued more then £120 000)
• Evaluation cost
• payment for the soliciter
• sometimes you are required to pay for the bank for the application for the morgage
• sometimes you might be required to provide references (from employer, landlord and etc)

To find a house you would like to purche visit Estate agent or website:

www.findaproperty.com
www.rightmove.co.uk
www.spaldingtoday.co.uk
www.morrissandmennie.com
www.principalhomes.co.uk
www.longstaff.com
www.geoffreycollins.co.uk
www.apsales.co.uk
www.sequencehomes.co.uk
www.home-sale.co.uk
www.hixandson.co.uk
www.directions-property.co.uk
www.muntonandrussell.co.uk
www.regencypropertyservices.co.uk
www.ppm-lincs.co.uk

Debts:

Do not forget to pay all your bills. If you are missing payment you would be issued Remiders, if you ignore them you would be sent Final reminder. After that information is passed to the Debt Collection Agencies, where information is given to agencies who supplie credits. Information is stored for 6 years.

So if you want after that to apply for the mortgage- it wouldn’t be possible to get the trust.

Steps of purchasing property

1. Meet with Independent Mortgage Advisor and Independent Finacial Advisor. Also you need to get the principla agreement about mortgage.
2. Register with Property Agents. Look newspapers, website for the property you would like to buy.
3. If you found property- give application for the mortgage.
4. Find the Solicitor;
5. Survey Chack by mortgage lender.
6. You get Mortage Offer.
7. Solicitor finds search information: Local Search; Land registry documents, draft of the contract .
8. Signing up the contract and you get the date of Completion.
9. On completion day you transfer money to seller and you will get the keys.