Buying a house in the UK: no job, house price, location, deposits, moving back to Sweden OR selling?
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- Опубликовано: 5 мар 2023
- We bought a house in the UK, in this video, we cover everything you want to know, The cost, our salary, our budget, the process of getting a mortgage and so much more. We also finally answer your questions about Sweden, what we have done with the house, and when will we move back. Enjoy!
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Buying a house in the UK with no job | house price, location, deposits, moving back to Sweden?
Publish date: 06/03/2023
Film date: Jan 2022- May 2022
46,450
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Any questions? nj.cbc@outlook.com
Naomi's Instagram - naomicbc
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01:46 why did you leave Sweden
02:17 Naomi is a doctor
03:03 why buy why not rent
03:18 salary and outgoings
05:58 criteria to buy your house
08:02 why not use the help to buy
08:15 how many viewings
08:57 how is our cat, Lola
09:50 exchanging and completing
10:26 the cost of the flat
10:57 5% deposit
11:06 getting a mortgage before starting a job
11:30 saving tips for deposit LISA hack
12:57 extra costs
13:30 cost of the mortgage
13:55 buying a flat leasehold tips
14:23 location of the house
16:22 plan for rising interest rates
18:26 plans for the Swedish house
18:55 moving back to Sweden
21:34 why buy a flat
21:50 did you use a mortgage broker
24:07 how long did it take you to renovate
24:26 when did you move in
24:56 how long will you stay in the new flat
25:24 Naomi, are you studying full time?
As someone with a Swedish partner I know the UK life vs Swedish life and I absolutely know wholeheartedly that Swedish life is exponentially better. The food, the people, the air, water, lifestyle, scenery and of course government and government protections, free education, free school meals, childcare etc. But, like you, we are both living in the UK currently because of our jobs. We cannot wait to leave again though. You just don't realise how expensive UK life is and how little you get for your money until you live elsewhere.
Amen. Been in the UK a decade but I lived in Sweden during the pandemic for a year and a half. All the things you listed. Spot on. I just hate snow and darkness (although the UK is also pretty dark in winter) so came back but been struggling with everything. I feel like my tax moneys go wasted. I sit on the higher band (40%) and I get nothing. Others get it. In Sweden they reward those who work. Here they reward those who make babies. The neighbourhoods are ugly. It’s ugly ugly ugly. Just houses and thrash especially here in Uxbridge. It’s been a year and I can’t bloody get over how ugly everything looks. Lots of misbehaved kids everywhere, parents at home using meth with my tax money. Houses that are crap. In Sweden they keep houses sooo well, always working on them. Here they just fall apart. They have ZERO insulation, lots of condensation and mould. Horrible. You get over charged for shitty houses in shitty locations for the mere pleasure of living in this country. Weather is just dull. I’d never buy a place here. I’m going to the Canary Islands first and Costa Rica next, after the war starts. I’m hoping the best days of my life are just ahead of me. Say hi to Sweden for me if you make it back there!
@@stellita884 Just curious, after what war starts?
@@will580I’d like to know too?
@@stellita884 Blimey you poor thing, I live in Notts, beauty everywhere, fantastic old architecture and tree lined streets, ots of green space and country parks close to the city! I think t depends where you live, my best friend lives in Sweden and she's a teacher in a terrrible area, she gets sworn and insulted on a regular basis, and craves the sun the whole winter when it is just dark!!!! I also don't understand if you hate something so much why do you stay, just leave, I have moved country several times!!
@@moniquel6273 How do you provide a roof over your heads if you're not working? Your partner/kids farther works and provides this?
It will be great again! I'm a 75 year old woman and I've bought low enough to notice that yes neighborhoods change. Don't buy high, buy low and wait for the neighborhood to revitalize! It will. I'm from the states, been following you since your first started vlogging. Happy to see you, again. Congrats on your medical studies.
Happy for you guys! Also love the transparency. These are the types of videos we need instead of so called gurus telling us lies.
Agree love truthful warts and all videos.
Good luck with your studies and hope you enjoy your new home.
Definitely, for someone who was struggling to buy a house because of the lack of information ,now at least I have an idea. Thank you guys.
They are crying out for doctors in northern Sweden, great shortage. Just a tip! They usually have special Swedish courses for foreign doctors to quickly get them into working life. If you want to move to Sweden again. You have to think about the cat. She probably wants to move home...😎👍💥
TY for sharing x Sending blessings x Great to see things working out before they work out in a new and exciting way!
Huge congrats Naomi on your journey to become a doctor🎉
HAPPY to see you both again, Look forward to more
Glad to see you both. You at peace in your new place, and your cat looks happy too.
I'm so happy for the two of you on your amazing journey. Looking forward to the next video update. Stay Safe. Love you both much💚
You guys are great for being so transparent!
I love to see you both thriving. Love the teamwork and that both of you are working together towards your goals.
I adore both of you.
Hugs from a huge fan from Amsterdam ❤
Thank you for sharing! It's fun to hear about how your lives are progressing.🥰
Thank you so much for your transparency, logic and positivity. Wishing you both the best as you continue your journey!
This should be essential viewing for any young couple trying to buy a home in the UK. Masses amounts of solid good advice. Well done.
Thank you, it's definitely something I wish I had known prior🥰
Congratulations guys,hats off to you Naomi for finishing your study for now and waiting for to hear the final studies. God bless you both. Welcome to Jamaica, hope you had an enjoyable stay and enjoy the warmth of the people of Jamaica. 🇯🇲 Is my country 🙏🏿🙌🏾🙌🏾🙌🏾❤️❤️❤️❤️❤️
I am so happy for you both and I'm glad you visit my country 🇬🇧🇯🇲 I hope you enjoyed it 💖💖
Welcome back! You guys are doing great.
Congratulations! I have missed y’all sooo much!! Welcome back!!!
Welcome back! :) Really enjoyed following your Swedish excursion. Was super nice to see you back in the feed again this week :) Super impressed with just sharp and persistent you are :)
Happy for you both ! ❤️ I love opening RUclips and seeing your faces.
Congratulations 🎉🎈. I missed you guys for a good bit. Happy to see you back .
Congratulations you two. I started following while you were both still living with Naomi's parents, but seldomly comment. Enjoyed the drone coverage while in Sweden and shuddered as you both took your ice baths. Love your approach to life. I taught the art of budgeting to all my 4 daughters and only one truly lives by it and it shows. Will continue to watch as you grow and hope that Jack does not become too anxious about being on videos, you look great together. Cheers.
So happy for all your progress, everything happens for the best. You have done a lot in a short time. Yeah! Keep moving forward! 🙏🏼💝🙏🏼
So excited for you guys! Really nice to hear how things are going. What great decisions you are making for your now and your future. Can’t wait to follow your journey. Also consider reinstating the Patreon. Lots of love to you both and Lola! ❤️❤️❤️
Oh, it's great seeing you guys again. I missed you guys and thought about you often .I will certaintly be following. Congratulations 🎊 so happy for you .Beautiful couple Xx
Such a lovely couple - bless your souls. Thanks for sharing.
Oh wow that fireplace in your bedroom! Love it 😍😍😍❤
Came for the Swedish adventure story, staying for the beautiful chemistry between you two! 💕
Hi from Belgium guys. You’re awsome. Congratulations for all your achievements! Love your energy and good vibes! ❤
Congratulations- love and light to you both.
Congratulations
Happy to see yall again 😊
Nice to have you back I miss you guys.
Good to see you guys again.
Looking forward to following you again!
A really helpful vid for those in similar situations
Loved seeing the cat thankyou
Congratulations! This is so informative, thank you for sharing x
it's so nice to have an update 😉
Congratulations Naomi and Jack on your new home👍👍👍👍🙏🙏🙏🥰🥰
Congratulations on completing your studies Naomi and on the new flat guys. Better to buy low in an up and coming area, and watch the value of your property rise. And thank God you have escaped the bottomless pit of making a landlord rich.😊
CONGRATS NAOMI ON THE MD AND THE HOUSE, BLESSINGS ON YOU GUYS, NEVER SEEN A MORE INTREPID COUPLE, ONWARD AND UPWARD !!!
This was such a wholesome and open video! I loved that you both shared some much detail down to even salary. Its inspiring to see you guys making moves and taking calculated decisions for a better future.
I watched lots of these types of video and I want to know EVERYTHING so If I was making a video it had to be like this, I am glad you enjoyed it!
Honestly I’m amazed at how much you were able to squeeze out of your situation! Never in a million years would I have even entertained the thought of owning a house with the position you were in. I’m glad it worked out but dang I’m amazed.
Haha we are creative!
You are more than welcome to Sweden again. We have been proud to have you here and you are really needed with your knowledge. But you also know that it might be another thing to live here❤
Great guys your in my country of birth, Jamaica, but I'm now residing in the UK. I hope you enjoy your stay. You guys are so informative, especially around the pro and cons of buying a house. I'm trying to help my daughter and granddaughter to help with the deposit of purchasing their own home. Things have changed since I brought and paid off my mortgage so thanks for your info So happy your back as been following you from Sweden and know you went back to your studies, congrats on your exams, lovely couple.
Welcome Back !! Be Blessed !!
Loved your video, very inspiring. Thank you.
Love you guys ❤. Thanks for sharing 😊
Congratulations 🌷 You're a very innovative and intuitive couple. Blessings for continued success and always enjoy your vlogs.
lovely to see you both!
Ah you mentioned my hometown - Swindon 🙌🏾. Congratulations on your new home 🏠 x
We bought the first house we looked at, 14 years ago. You both seem happy and on track.
Well Done Guys most important thing is you are on the property ladder I did watch you in Sweden and looked amazing You Both Young you’ve got many years in front of you nobody knows what’s going to happen in life I wish you all the best you guys💕👌
Thank you so much guys for being so transparent, you guys have no idea how thankful iam to you ,to know that it's possible to buy a house in the UK even with a low deposit all thanks to your video 🙏😍
Well done, you two
I like the way you work out your accruals.
WOW!!! Well done!!! Many and heartiest congratulations!!! Slough is a lovely location; it all depends on what you make out of it. Used to travel through Slough on my way to visit my daughter and family in Windsor!! Quick connections and everything so try and make the best out of it. You both have got the entrepreneurial spirit so everything works together for your good. Shalom and blessings xxx
Guys you are amazing ! I have just discovered your channel and you give out such useful and precise informations, 🙏🏻 Thank you so much !!! 💗
Congratulations on completing your studies. It must be a great feeling. You are awesome!
Congratulations guys. All the best.
It's been such a long time. So happy to see you guys😢.. Yeah
I am very happy to see you both, Jack seems more convertible in front of the camera… he is a great guy and a know in front of the camera it’s not for everyone… Naomi congrats… it’s takes a lot of work to do what you’re doing… and most of all congrats to your new flat …
Thanks for the update
Lived in Slough on Castleview road great area with Upton Court Park and Laselles park
Glad to see you again. Watching you from Barbados.🇧🇧🇧🇧🇧🇧🇧🇧
Congratulations, Well done, Big up Jamacia and you both look so good. xx
Thank you for the video!
I am so happy to hear what is going on with you all!
Yes I missed your faces. We are also house hunting for a very long time now in Sweden, but we just haven't found anything yet, I guess because its winter. Your experience helped us a lot but we are still very unsure what is the best place and will we be able to actually find a home there. We just moved from US to Greece so you can imagine the hustle, with two cats yes!
Trust the process I guess.
Sending hugs to both ❤
yes in winter they don pt many offers out
Yes slough is very good for renting especially on airbnb, so it really not bad area. Congratulations guys!
I'm so proud for you both
So glad to hear from you guys. U both look so happy.. good for u keep happy and enjoy life..🙂💜👍👏🏾👏🏾👏🏾
I looked for 2 years before finally buying my current house. I have no idea how many houses I looked at, but it was a lot!
Woow that's loads tbh we were expecting the same
loved this vid guys -so interesting xx
YAY! you're back! love your videos
I have been following you guys since sweden ! Much love n respect to the both of u frm Singapore..
Rental market is crazy, rents are astronomical. We brought a house, in the midlands, for £230,000 it’s small but we are on the ladder. No more bat crazy landlords. I can shut my front door and it’s ours, it needs a garden renovation. But has brand new bathroom and kitchen. Brand new electric’s. And boiler. And double glazing. And the garden is a good size. And parking on the drive for two cars. Semi detached. It’s cheaper than renting. I don’t know how people are going to cope with paying astronomical rents when they retire. It’s literally frightening. 👍♥️👍
It really is crazy, renting is so expensive! Your home sounds incredible🥰 the granden project will be great for summer 🌞
Great tip about needing to have a LISA for more than a year before using it. I was about to switch my HTB ISA to a LISA a few minutes before I saw that part, quick save. Congratulations on the new home.
We’ve just down sized, we looked round about 6 properties, but on rightmove here in the UK, you can do a visual walk around properties, and go around each room on your iPad, if I included all those apartments we looked at probably the number would be about 30. We absolutely knew what we were looking at, as at our age there were several things that were make or brake the deal.
What a beautiful couple. God has blessed you both. May your love be long lasting and forever. ❤❤❤
You are taking all of the correct steps to, in time, own your forever home. Well done!
First video of yours I’ve watched. I loved the honesty and transparency throughout. New subscriber!!
Congratulations 🎊!!!
Best wishes, you're an inspiring couple 🌻🌞
You seem like a lovely couple. All the best for your future in the UK.
This South African had lost contact with you(r videos), I'm glad to see you once more. I'll check other videos
Cute couple! wishing you blessings and peace
I am not interested in purchasing a house at present, I am just watching this as I find you both so lovely to watch and listen too. :)
Awh thank you for staying tuned in xxx
@@NaomiandJack 🙂
I follow because I like to follow you guys. I started with the Sweden experience; but with your change in situation, I was wondering what you were doing….
Excited for you!!
Congrats guys
Congratulations !
Hi Naomi and Jack. Lovely to see you guys. Slough is nice I love the place and it's close to London. Congratulations 🎊
Slough or Lapland? Been to both but only ran screaming away from one of them.
😂😂😂😂
Wow loving this content, lot of good information..
Good to hear from you guys....back in merry ol' England,eh? Well good luck to you both...
Well hello there. You guys are amazing. You're rich with knowledge and appear to be rich with love. Please, continue to live life to the fullest.
just stumbled across ur page and im randomly watching and listening and them I hear Slough lol. Still watching from the gym in Slough lol born and bred and bought my place here 2019 lol.
Haha hey neighbor
@@NaomiandJack Hi, how are you finding sunny slough lol
Congratulations xx
CONGRATULATIONS . . . . Inspired by You Two . . . and Your Authenticity and Mindfulness. Enjoy every second of Your Life Journey Together . . . Well Done!
Wonderful couple!!!
Gosh I love your two 💖💖💖
luv this
The algorithm is algorithming lol As a single person doing this it was nice to see the realistic side of things
Haha I am glad you found this .. tbh it would have been much easier if Jack wasn't supporting me also! X
This gave me a little more hope to buy. Slough isn’t too bad…the houses in my budget are in Chatham 😭😩
Awesome couple..❤❤❤ missing your content...