Free House and Things

[Curitiba]

Hello. I'm a poor full time worker that will never have a chance on going on the property ladder.

Does anyone here know of a list or a register that I can join to beg for a house.

And no, housing association's prices are also too high for me...the last I got I needed to have a �125,000 mortage - no banks will lend that to me cos somehow I don't think that any employer would pay 46,000 for a clerical assistant.

I also need help in getting a tv so again, if any of you know of a begging site please let me know!

Ta

[SaxyJag]

Housing associations don't necessarily sell. Many rent, and you can be referred to them via your local council.

No-one's going to give you house, so unless you get that elusive mortgage, your only options are going to be renting or getting a job with accommodation attached.

I would suggest the first thing you do is go along to your local council and get yourself on their housing waiting lists - the sooner the better, because they tend to be long. Then start hunting around accommodation agencies and estate agents for somewhere to rent privately.

Once you have somewhere, you may be entitled to housing benefit, depending on your income and circumstances, which will bring the rent down.

[CLOWN TICKLE]

Some housing associations, one in Liverpool recently, offer a scheme were you labour on your house building site to earn the deposit to put down

[gammaray]

Buy with friends, pooling your resources. Buy with a shared equity scheme where you pay half the mortgage and the rest is met by a housing association (who own half the property).

[silverdaler]

my son is not on a very high wage, but has saved �3000 over the past year to start buying a house. he has found a small, one bed house for �75000 which he is having to decorate -but he is on the property ladder. he managed to get a 100% 30 year motgage by the way.

as far as your need for a tv is concerned - put an advert in your local newsagents asking for one. there must be lots of people who would be glad to get rid of a surplus portable - me for one ! or try a car boot sale.

good luck !

[Curitiba]

silverdaler - where did you son get the mortgage from?

Ta

[silverdaler]

he went through an independent broker and i think it is Northern Rock - they seem to have the monopoly on first time mortgages. but it is a buyers market and what the broker said to my son was, work out how much all your monthly bills would be if you bought a house/flat, deduct it from your monthly income and then decide what would be the maximum you could afford for a mortgage. thats what my son did , and they tailored the mortgage to suit him.

he even managed to borrow a few grand extra to pay his car off and free up �140 a month for HP!

If you live in the west mids i could put you in touch. let me know.

[Curitiba]

Thank you silverdale.

Unfortunately, and I mean that, I don't live in midlands. Lovely area, used to visit friends there.

I will get in touch through their website though.

Once again many thanks for your help. Will post another answer here if I manage to buy a house of my own so to let you know!

Cheers

x

[sack_6470]

try www.freecycle.com its a site u register on to ur local area and there is everything and anything going for free . new secondhand clothes electricals garden stuff furniture absolutley ANYTHING AND EVERYTHING you just have to collect it if the person wanting rid lets u have it ( u answer their ad and they choose who they give it too) its to keep the landfills empty of our rubbish. but isnt rubbish... take a look at the site...

[trulli]

That's www.freecycle.org just click on United Kingdom for a list of UK groups.

[Curitiba]

Thank you guys!!!

Coincidently I've just (literally) found www.gumtree.co.uk - which also give stuff for free.

It's excellent!

Thank you once again!