Cost of moving in to new house?

[drummergirl34]

I'm looking to buy my first house without a mortgage, and I want to work backwards to figure out how much I can afford to pay. What figure should I be thinking of for setting aside to set up a basic house for one person after buying? I'll be buying everything; white goods, cooker (if not already installed), dining table and chairs, paying for lock changes of course, bed+matress,new carpet / floorboards etc. I'm thinking maybe £2000? Is this too much, or should it be more?

how long is a piece of string?
I saw a lovely Samsung fridge for over 500GBP so it all depends
make a wish list go online and shop.
the bigger the house the more stuff you will need (extra hide a bed for guests etc).
a 16 set of denby will set you back close to 200 GBP

We allowed £10000 when we moved, I don't think we quite spent that much but not far off. Obviously depends on the size of the house with regard to flooring costs and how much furniture you need though.

Do you need to get carpets and curtains too? Pay removal costs?

Have you taken into account stamp duty?

It depends on your circumstances and how you feel.
If you want everything colour-coordinated, brand new and you want it now, then it will cost.
If you are prepared to accept secondhand, wait until the right thing appears on e-bay/freecycle, do without temporarily, be inventive and ingenious, then it will cost a lot less. There are many charity shops that specialise in furniture, inc white goods.

Do you have friends and relatives who have furniture to pass on? (You will be amazed how many have too-good-to-scrap things that they would love to offload. Just clarify rules beforehand: is it a gift or a loan. What happens when you no longer want it) Do you have somewhere to store your finds meanwhile?
Your vendors may not include white goods in the particulars of sale but you could always ask them. It's cheaper (S/H) and less hassle (already delivered and installed) for you.

It's all down to your attitude and priorities.

Yes don't forget to factor in stamp duty, searches and solicitors and Estste agents fees.

I don't think £2000 will be sufficient. Make a list of everything you will need then look on line to get some costs. It is surprising how it all adds up.

Estate Agents fees for a ftb?

Yes, if you purchase you still have a fee, just not as great as the sellers fee.

We spent a grand just on white goods (but that incl. tumble drier and dishwasher)
We got a table and chairs off eBay for 50 quid, sofa was ex display m and s £720, mattress ex display £300 even if you do it cheap it adds up.

btw you don't need to change the locks, just the barrel inside is sufficient. They are about a tenner in b and q

Yes, if you purchase you still have a fee, just not as great as the sellers fee.

For what? What service does the seller's agent provide to the buyer?

Oooh, I've answered my own question. here
Anyone tried that on me I'd tell them to sling their hook!

Surely no estate agent fees for a first time buyer in the UK?

You'll need to pay for a survey, conveyancing costs (more if leasehold), searches, land registry fee etc. Allow for bank transfer charges as well - one for deposit, one for completion amount. Stamp duty too.

I reckon you'll pay near enough £1k on legal costs, maybe £800.

£500 to £800 for a survey depending which you go for (home buyer or structural).

Stamp duty - depends on price of house.

Moving costs - zero since you haven't got any furniture just do it in your car or a friends car.

White goods, furniture, electrical items. Kitchen stuff, misc items - how long is a piece of string?!?!

Yes, if you purchase you still have a fee, just not as great as the sellers fee

In England that is extremely unusual and I would not buy from a vendor who has signed up to such a fuck wit EA.

wow, lots of great points! Thanks everyone! And I didn't know about the reserve fee and is certainly something to ask the EA before buying - just another crappy thing they csn get away with!

As I'm looking under 100k, they'll be no stamp duty, I''m looking around for online conveyancing teams that offer a fixed price and to get started, I'd be happy with second-hand goods until I'm a little more comfortable financially! Thanks scaredofthecity - I didn't know that about just changing the barrel of the locks, I'll look into that!

I'll have to start writing a list and get searching for bargains!

Try local solicitors rather than online only ones - online ones can be hit and miss and a bit slow, at least with a local one you can go in to serve them, and local knowledge can be useful.