ULTIMATE STEPS TO BUYING A HOUSE - EVERYTHING YOU NEED TO KNOW! *must watch* | Property Series 101
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Күн бұрынHello Breakers! (I think this might be the official name for our community now...)
The Property Series has officially kicked-off! In today's video I take you through the overall key steps to getting on the property ladder for all you budding first-time buyers. Although this is just a basic guide, I will be going into way more detail on each of these steps, as the series continues, and doing my best to provide you with as much useful information and insight as possible. Whilst this is based on buying property in the UK, a lot of these steps still apply to anywhere in the world!
If you have any specific property-buying related topics that you would like me to cover in this series, leave a comment below!
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@The_Break 4 жыл бұрын
The Property Series has officially kicked-off! In today's video I take you through the overall key steps to getting on the property ladder for all you budding first-time buyers. Although this is just a basic guide, I will be going into way more detail on each of these steps, as the series continues, and doing my best to provide you with as much useful information and insight as possible. Whilst this is based on buying property in the UK, a lot of these steps still apply to anywhere in the world! If you have any specific property-buying related topics that you would like me to cover in this series, leave a comment below!
@oliviaaustin1891 4 жыл бұрын
Looking forward to the next instalment Patricia! Thank you so much for creating this channel :D
@almetas_grandbaby 4 жыл бұрын
Thanks for putting this out there!!! This was easy to understand, and helped me understand which steps I need to be focused on. I appreciate this FREE knowledge! I truly truly do. Is there any book you would recommend that you used as a resource in your research/experience around this area?
@KuchJ. 4 жыл бұрын
Thank you Patricia you have been such an amazing person for the years I've been watching you. Not everyone is willing to share these bits but here you are sharing your knowledge with us for FREE ( we dont deserve you )😘😍
@ohreally404 4 жыл бұрын
The Break Platform ! I’m so excited about these new videos. Thanks so much, definitely going to PAT that Like button.
@RockerMadness 4 жыл бұрын
You are such an amazing soul I honestly love you, and you are so knowledgeable I always look forward to your videos THANK YOU💕💕
@IshanAli 4 жыл бұрын
She’s teaching us what school hasn’t
@KayneKawasaki 4 жыл бұрын
Ishan Ali this
@EmorettaRobinson 4 жыл бұрын
Facts!
@xxymgxx 4 жыл бұрын
Well, because property really isn't the focus of many teenagers lol, same with taxes. These things are very important yes, and young people should be aware of it, but quite frankly many people don't care about it and view it as something you need to learn for yourself when you're older and more mature. I'm not sure about other countries, but I'm sure a lot of people are aware of PSHE lessons in school, and perhaps this should be included in those lessons.
@xxymgxx 4 жыл бұрын
@@parwaz7861 Definitely. I think there should be mandatory lessons, these teenagers will likely want to buy houses in the future!
@milouvandaam506 4 жыл бұрын
Psche teaches you about life and ive been taught how to buy a house
@simisola5446 4 жыл бұрын
You’re not giving us a fish but teaching us how to catch our own fish. Your basket will always be full. We value you because you have valued us enough to share your diamonds and pearls of knowledge with us. We love you Patricia Bright 🥰
@The_Break 4 жыл бұрын
So glad you see it this way Simisola, knowledge is the key!!
@bume.e7280 4 жыл бұрын
@@The_Break 🥰🥰 I'm in love with her, in a good way. And her sis too. Patricia!!, I hope I could work with you if you ever need a new york person . You give me so much lifee
@lovagirl7777 4 жыл бұрын
We really do love you for this Patricia
@clair233 4 жыл бұрын
Spot on
@nefertitikingdom6200 4 жыл бұрын
Simisola WELL SAID SIS. I swear we think alike 🤣🤣🤣🤣 She be saving me from being a looser foreal 🙌🏿🙌🏿🙌🏿
@oliviam6100 4 жыл бұрын
Since I work for a bank, I thought I would share: 1. First time home buyers qualify for 3% down downpayment 2. First time home buyers qualify for downpayment assistance programs depending on location of property. You don’t have to pay it back if you live in property for 5 years. 3 You can also qualify for introductory terms at the bank (no interest charged on mortgage for a given period). Ask your loan officer 4. If you have an account with the bank you are getting the mortgage from, you will get a discount ONLY if you ask for it. Always ask your MLO if they are any discounts you qualify for. You end up with a lower interest rate 5. Do not be afraid to “haggle” with the bank for a lower interest rate than the one initially given to you. Get a lower rate from another bank or mortgage company and ask your bank to beat it. They always will and keep going back and forth until you are comfortable with the rate you’re getting. A house is your biggest purchase after all.
@simonrichards150 4 жыл бұрын
From your terminology this sounds suspiciously American. Does this apply in the UK?
@belenherrera.x352 4 жыл бұрын
Does this apply in the UK?
@quitasglamcam2419 4 жыл бұрын
Thank you! Im start training to be a LO soon and this was greatly helpful.
@MiracleAdda 4 жыл бұрын
👍👍👍👍
@negamistica2253 4 жыл бұрын
#HelpbabyMarcelo# That’s good to know. I am thinking to buy because paying renting for someone else is wasting of money. I am thinking about sharing properties because houses in London are very expensive.
@nxxran 4 жыл бұрын
i'm nowhere near close to buying a house but i still got very excited for this video lol
@dnicaw 4 жыл бұрын
Same here
@CherelleJaCole94 4 жыл бұрын
Lol righttttttt!
@trap784 3 жыл бұрын
@@liv-uz1io same lol
@Brenda-ii4fn 4 жыл бұрын
How to buy a House: 1. Have money 2.Buy the house Let me go work hard😩
@ron-dilacey6527 4 жыл бұрын
Words can't explain how much I appreciate this video... I'm a 21 year old watching from Jamaica and really want to start saving towards a home. I was beginning to get so frustrated because the process seemed so hard. You really broke down for me😊
@samanthadawson6864 4 жыл бұрын
Same age, same goal, same location and same feeling. Pat is like our life coach in all things finance
@ron-dilacey6527 4 жыл бұрын
@@samanthadawson6864 I know right 😊 Glad there's someone that can relate
@PurposefullyDriven 4 жыл бұрын
Much older Jamaican here for the same reason.
@deniedbyjaj5792 4 жыл бұрын
Try getting on to housing trust from now babe.
@julezyjulez 4 жыл бұрын
Hey, I hope this helps. This episode is Jamaica homeownership related. open.spotify.com/episode/1FHrfMU9Uxm2rTBnp6AnCO?si=BgSSrPN3S8GNlg3sRC9h2A
@caitlynarianna296 4 жыл бұрын
Literally a 15 year old girl obsessed with this channel. 😖 Patricia is literally my internet big sis lol 💕
@annabelndianefo7709 4 жыл бұрын
Cáitlyn Ari why is this me but I’m 16😂
@liv-uz1io 4 жыл бұрын
Sameee I’m 15 too😭
@DakotaRae2211 4 жыл бұрын
You’re gonna be so ahead of the game little sis!!
@kenia5527 4 жыл бұрын
I was about to go on a shopping spree but this video stopped me and the money is in the savings 😂 this is the platform I need. Thanks Patrcia
@kwameopoku3576 4 жыл бұрын
Kenia were u gna buy panties
@vashimistry5246 4 жыл бұрын
Patricia, your channel couldn't have come at a better time. You are playing a massive role in helping me stay focussed on my goals. Thank you so much ❤️ Sending you so much love and so many good vibes ✨
@melodyabijo8069 4 жыл бұрын
Viewing properties was the most difficult part in my experience. Most of the times, the pictures look nothing like the actual house.. plus hubby and I couldn’t agree on a house coz we had different tastes lol.. also be prepared to compromise. Unless you built it, the houses won’t tick all your boxes.. I had to compromise on garage/driveway for a big garden...
@marianak6165 3 жыл бұрын
We are looking to buy our first house next year and this is what I am dreading of. I know that I won't be able to get the house of my dreams and will have to compromise on a lot of things 🙁 We were renting for 10 years since moving to the UK and we really want to settle in our own home. We have 10% deposit and our credit history is very good but the most difficult part is property prices around London are insane!! And we can't move too far because of my husbands business.
@phlorencesantos8295 4 жыл бұрын
Please do the credit score video🥺❤️
@purplegalaxy1234 4 жыл бұрын
Such an amazing and strong woman with amazing tips and knowledge. A lot of people look up to you and love you. Thank you for sharing your tips! ❤❤
@lancerave 4 жыл бұрын
THE CONSISTENCY OF THIS CHANNEL DAMN 🔥🔥🔥
@juliettekay5907 4 жыл бұрын
This is such a clever channel! But really accessible and fun too. I can't believe we don't get taught this!
@BajanGirlBeautiful 4 жыл бұрын
I am loving this content. I am actively taking steps to becoming a homeowner. Keep it coming sis! #Blessings
@SundaiLove 4 жыл бұрын
Woooo can’t wait for the other videos. Right up my alley
@khwezik3894 4 жыл бұрын
From the 1st time I saw Patricia Bright on 'This Morning' chatting at the boom of the KZfaq millionaires/entrepreneurs, I was intrigued. I've watched a couple of her posts but I really liked when she spoke on business/investing/budgeting. So I'm so hooked on this new channel that she's created that is pretty much solely on aspirations, inspiration, education. Not many folks like to share their how tos to their success so I really admire her & the few out there that do do so. May you and your family continue to be blessed x
@isabelladuder2849 4 жыл бұрын
THANK YOU Patricia for teaching me everything I never learnt in school. Every young woman (and man!) needs to watch this channel ❤️
@darkchocolat1214 4 жыл бұрын
It's so interesting to hear how the home buying process in the UK is similar to the process in the US!
@roseaddo6103 4 жыл бұрын
darkchocolat1214 IKR
@angelaofoegbu4920 4 жыл бұрын
We love the break! Im so happy you branched out and did this!
@SaphPea 4 жыл бұрын
This platform is changing the game big sis and we are grateful for it. Thank you for helping us all get a seat at the table👏🏿
@SanaMusicVlog 4 жыл бұрын
This is fantastic. I've been a fan of your videos for years. I'm so glad you're sharing your knowledge to help your viewers better themselves and put them in a better financial position for the future. As a fellow Croydon-er, this was something they definitely forgot to teach us at school. Keep up the great work! I would love to see a video with your thoughts on Lifetime ISAs etc. xxx
@emilyshort3086 4 жыл бұрын
I'm currently at uni so I wont be buying a house for a while. I am trying to start saving when I can and get educated which this channel really helps with 😊
@Tinochinez 4 жыл бұрын
So grateful for this video & your consistency Patricia, always bring value in everything you do! Loved this and love you girl 💗💗
@AA-ek5kz 4 жыл бұрын
As one of your earliest, I am loving this financial vlogs. You really are inspirational for so many people. Keep up the good work. I rarely comment but what you teaching is financial freedom and so many people do not have a clue how to go about this.
@RidaB33 4 жыл бұрын
This was great timing! My fiance and I decided thst instead of renting again we would look to buy a home that we can stay in for the next 5 to 7 years so we just got the ball rolling on looking into what we need to be able to get into a house by July since that's when our lease ends. I really appreciate the part about not letting anyone pressure you because we went to go view houses a couple days ago and the realtor tried to push us to put in an offer 4 months before we're ready and just negotiating the sellers to pay off the lease.
@Wanderness 4 жыл бұрын
Got my first ever viewing for my first ever house tomorrow because you've inspired me to be smarter with my money. Thank you queen 👏👏👏👏
@leannejacklin-grey5343 4 жыл бұрын
Just discovered this channel and it is literally my favourite KZfaq channel out there! Love what you are doing with this....Keep them coming!!! xxx
@liliangoodness8154 4 жыл бұрын
Honestly, this is the most important topics and reasonable youve uploaded...for me your coming through...so please do more .keep them coming...your now in another level of videos i like to watch.so thanks
@emiliadescamps4771 4 жыл бұрын
Loving The Break so far ! Thanks for your great tips Patricia !
@mollyingram2778 4 жыл бұрын
Yessss🙏🏻🙏🏻 this is exactly what we need, you’re a star!
@cockyretrospect4085 4 жыл бұрын
Literally blasting this on my bluetooth. I stan this channel so hard
@polkadotsandparadise 4 жыл бұрын
It is important to understand that sale agreed at the estate agents does not mean that it is yours. Secondly until contracts are signed and legally accepted that anything can happen!! Please note that stamp duty that you noted was £300,000 for london lesser amount for the rest of the uk including NI.
@joannelu1750 4 жыл бұрын
I love this series you're doing, super informative and totally worth the 12 minutes! Thank you!!
@KellyannMitchell 4 жыл бұрын
Love this channel and its content. Patricia you are empowering so many people out here, myself including. This is the kind of information that needs to be giving to both young and old who are trying to get there life together. Keep slaying Queen!
@EmilyLouiseKelly 4 жыл бұрын
Patricia! I’m so excited by this new channel! Thank you 💕
@sineadmoakes3725 4 жыл бұрын
Honestly you just give me so much motivation!!! Could you do some of you top tips of things to do once you've bought a home? I guess I should know these things already but I just find it so helpful the way you explain things!!
@ic107 4 жыл бұрын
absolutely loved this video, and this entire channel! so informative, you're doing such an incredible thing Patricia xx
@alexxuspayne3399 4 жыл бұрын
This came at perfect timing!!!! THANK YOU SO MUCH!!!!
@ifunanyalizzie8771 4 жыл бұрын
Thank you for this channel aunty pat!! Just started my KZfaq journey and I’m here manifesting my future properties 🙏🏼🙏🏼
@jessih980 4 жыл бұрын
that channel is so valuable!! like literally the best on yt
@xJessJonesx 4 жыл бұрын
Finally!!! Some useful information about getting on the ladder. Thanks Patricia x
@ALEXANDRABOAMPONG 4 жыл бұрын
I need this energy and business mind in my life to change things around..😍
@chiedzamhosva5141 4 жыл бұрын
This is the good stuff we have been all waiting for... Many thanks Patricia
@rowenagarcia5729 4 жыл бұрын
I am excited that you created this channel. We need to spread the importance for financial literacy. Enjoying your new content!
@Misssayuri110 4 жыл бұрын
Patricia my dear, thank you so much for being such a bomb role model for women everywhere. Humble, loving and smart? That's what we all should aspire to be xx
@toyaturnstyles2830 4 жыл бұрын
Patricia Bright you are one in a million. You are so unique, you bring so much value to this platform it is beautiful! You are always what I'm looking for, always connecting the dots and inspiring me! I'm currently saving for my house deposit and you just taught me something new, again. Big up yourself you gem! Caressing that button all day every day xxx
@adwoaasarekonadu9622 4 жыл бұрын
I love property, so I definitely will be tuning in into every property video. 🙏🏾
@jamericanrebel 4 жыл бұрын
Patricia 😵 I’m absolutely loving this new channel. Though I’m in the US and a lot of these don’t apply / are different I’m loving it. I invest in real estate as well and I’m buying my second property next year 🥳. You’re is my absolute idol. I’m trying to get on your level.
@Jamesparry1 4 жыл бұрын
Please do a video on how to improve your credit score at the minute mine isn’t bad but I would like it to be better as I am looking at getting a mortgage in the future I would be very great full
@WellBalancedWallet 4 жыл бұрын
This is perfect. My husband and I began looking for a home last year and we were completely caught off guard. Thank you for this!
@sianagillian8430 4 жыл бұрын
These videos are incredible and perfect for me right now. Thank you so much!! 💓
@desklifebliss7974 4 жыл бұрын
This is the kind of stuff that needs to be taught in school! Thank you for sharing all this valuable information 💕
@RealMeeBenMee 3 жыл бұрын
Been searching for videos all night and she the first person who's actually made sense.
@user-oc7cz3ep6f 4 жыл бұрын
Came across this account, and honestly there’s so much good information in these videos. Stuff that nobody tells you!
@charliec3241 3 жыл бұрын
Excellent video. Quick, detailed and full of energy. Love it.
@paulapalacz6477 4 жыл бұрын
I just love the the new channel, you passing the knowledge in such an easy way . I would love the video about improving your credit score.
@DaHoodGal 4 жыл бұрын
You are such a motivation! I’ll be on the look out for more vids like this one. Much love 😘
@annacoley5570 4 жыл бұрын
YESSSS!!! Loving these videos, so useful and honest. ❤️❤️❤️❤️
@littlemissd4 4 жыл бұрын
Thank you patricia this is so helpful! I cant wait to see more of this property series x
@DoctorNosa 4 жыл бұрын
I LOVE everything about this channel! Love that your sharing all your tips/knowledge ❤️❤️❤️❤️
@AjiJagne 4 жыл бұрын
Patricia: Caress the like button Me: 👆🏾😏......👍🏾
@khwezay 4 жыл бұрын
Doesn't sound dirty at all 😏
@MisterDixa 4 жыл бұрын
This is lit ! I'm looking to buy my first house and finally I understand everything ! Thank you Sensei
@Stappazzollo 3 жыл бұрын
OMG! I loved you channel, absolutely brilliant! Very nice explanation, funny and not boring video! Wishing you all the best!♥
@Lctravelnture 4 жыл бұрын
Great info, almost bought a property but changed my mind, I needed a real estate class to feel confident,thanks for the tips
@Beatbukei 4 жыл бұрын
You’re God sent! Can’t wait for the property series 💃🏽💃🏽
@sailorsummy 4 жыл бұрын
You have no idea how thankful I am! Trank you so so much Patricia❤️
@missnycforever7532 4 жыл бұрын
This is the freaking content we need and I love on KZfaq!!!! I am a fan. Having good credit is everything. You can negotiate a whole lot with good credit. Also buy a fixer in a better neighborhood than a shiny in a lesser neighborhood. Put some sweat equity, sell it and move up to a better neighborhood. I start researching 6 months to 2 years when we are looking to buy. It gives me an idea of what is on the market and what I can get for my budget.
@cylenayoung 4 жыл бұрын
Thank you for sharing these helpful tips! Very informative and encouraging!
@Mztrue87 4 жыл бұрын
Be Vybz Kartel... "Touch a button, touch a button nuh" 💀🤣
@Luxeaudrey 4 жыл бұрын
These videos are so useful since I’m planning to buy my first few properties this year ☺️
@dianac.1598 3 жыл бұрын
Thank you so much was very detailed and you explained everything so well!!! Way to go!!
@MyNameIsKiya 4 жыл бұрын
This new channel is just the best Patricia! 🥰❤
@natashadwyer8336 4 жыл бұрын
This is soooo timely and needed! Thank you so much P!
@perryperrychicken11 4 жыл бұрын
Loving all this finance/property content lately!! ❤️
@ioanac8245 4 жыл бұрын
Hi Patricia, thank you so much for taking your time to come up with this video, as always a lot of great information. I have actually just completed on a property, by myself at 28 years old with a one year of accounts on my business. I just really wanted to touch on this as when i have decided to apply for a mortgage i have received a lot of unrequested advice as to why i should wait as my business is so new and apparently no lender will give me a mortgage and that was just false. I have actually had a fair amount of lenders to choose from at standard rates (between 2.5-4% interest rates) and with only 10% deposit. So please all of you self employed ladies and gents out there, do your research!!
@MakingYourOwnWay 4 жыл бұрын
3 properties - get it Patricia ;) Congratulations on this endeavor! Love that you are sharing this with others so that we all can be inspired to get into real estate.
@totallysashh4697 3 жыл бұрын
Just got my mortgage on principle today and I'm so excited. Here to learn!!
@seherbilgic9530 4 жыл бұрын
What an amazing video. Thank you for spreading your knowledge
@angie9402 4 жыл бұрын
This channel is amazing!! Such a useful video ❤️
@Soffypn 4 жыл бұрын
my husband and I left London in 2018 because realistically for us was impossible to buy a house so we moved to Leeds and made that happen (and it is a new home too!!)! At the time we only had a daughter, now we have a little boy too and I'm very proud of what we did,it might not be a castle with 200 bedrooms but at the end of the mortgage it will be ours! Not gonna lie, it's kind of hard now because I am not able to work full time but because of the kids but the videos you are making about homes give me hope as well as many many tips, that one day we might even be able to invest in another one. Thank you so much for sharing your experiences and knowledge with us
@CforChi1 4 жыл бұрын
Thanks girl! You are a blessing to me,I mean,us♥️🙏♥️
@kessy7671 3 жыл бұрын
Thank you Patricia,that is really helpful
@audreycall3507 3 жыл бұрын
So helpful! A lot of videos do not cover the details like this does. Thanks for sharing!
@allisonlaraque3649 4 жыл бұрын
This is good information even for those you have struggled through the process before.
@amonique5 4 жыл бұрын
Love it! Keep em coming💖
@milliondollarlady 4 жыл бұрын
Love this content! So informative and motivating!
@manetainwithme6787 4 жыл бұрын
I really enjoyed this video, thank you for sharing Patricia
@sorandom4819 4 жыл бұрын
You are everything Patricia. Thank you.
@ganaadwok1862 4 жыл бұрын
I am officially a BREAKER!!!!! 👏🏾👏🏾👏🏾👏🏾 I love love this! So inspiring and motivating.
@thebelledricka 4 жыл бұрын
Love this, so informative thanks girl!
@marylyncastel4261 4 жыл бұрын
I really LOVE IT super helpful keep it coming !!!
@devettemorris5036 4 жыл бұрын
You are definitely heaven sent. Thanks so much for sharing these few tips with us especially for those who are first time buyers like myself. My fiancee and I recently bought our first ever property after having been in rent for the last 5 years. The process was hella long but all worth it in the end. By the end of this year we should be purchasing our 2nd property(1 of my goals for this year). Thank you Patricia Bright❤we love you❤❤
@elvira25743 4 жыл бұрын
Dayummm if this is something school was teaching me I would be on my 100th investment by now. woow big up sis keep the videos coming going to literally buy a notepad for these lectures
@magdalenaa09 4 жыл бұрын
This was needed! ❤️ Me and my partner are saving for a deposit! We want to buy our first property this year. I’m so nervous that things won’t go to plan! Also saving is painful but hopefully it’ll be worth it xoxo
@melbrowntv 4 жыл бұрын
Wow, LOOK AT THIS QUEEN!!
@megan1445 2 жыл бұрын
Fantastic video Patricia!
@ivonnevargas2845 4 жыл бұрын
Love love love thiiis!! Greetings from Dominican Republic Patricia!!
@ware3300 4 жыл бұрын
Idk what im doing here im a teenager and deffo not buying a house anytime soon but this is the type of stuff they don’t teach us at school. Im glad i live un a generation where i can get this for free 😊
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