July 6th 2024.
Have you ever seen a floor-to-ceiling window? It's one of the first things that caught our eye when we walked into our new home. It's stunning, isn't it? We were so excited to finally have a place of our own. Of course, with any big purchase comes the question of finances. We saved up a deposit of £26,000, mostly from our own savings and a bit from our ISA. We were also lucky enough to receive some help from our family, which helped cover some of the legal costs. It was a team effort, and we were grateful for the support.
So, how much did the property cost? Well, it was a whopping £460,000. But, we fell in love with it and knew it was worth it. Of course, with a big purchase comes monthly expenses. Our mortgage is £800 a month, and we also have a £200 service charge. As for bills, our Council tax is £140, water is £40, and electricity and heating are £50 each. On top of that, we both have to pay around £180 for travel into London. It adds up, but we're managing.
Now, let's talk about our mortgage. We were fortunate enough to secure a 30-year fixed rate at 1.6%. It was a great deal and gave us peace of mind knowing that our payments will stay the same for the next three decades. Before moving here, we were renting in Clapham and dealing with a difficult landlord. Like many young couples, we wanted a more stable future, and owning a home seemed like the best way to achieve that.
We never realized how much we would appreciate the small things, like being able to paint the walls. In our previous rentals, we were never allowed to do that. But now, we can make this place truly our own. It's liberating and has allowed us to add personal touches, like plants and wall art, to make it feel like home. And speaking of space, we definitely have enough of it. The open floor plan gives us plenty of room, and the overall size of the apartment is perfect for the two of us. Plus, having access to green spaces and amenities makes it feel even more spacious.
As for the future, we have no plans to leave anytime soon. We're happy with our location and the lifestyle that comes with living in Kidbrooke Village. It's a great community, and we feel fortunate to be a part of it. In terms of advice for those looking to buy a home, take your time and really think it over. It's a big decision, and you want to make sure it's the right one. And, don't be afraid to ask for help or advice along the way.
Now, let's take a tour of our home! We've added some wall art and open storage to make it feel more personal. And, don't mind our little book of answers and toy car collection. It's the little things that make a house a home. Oh, and in case you were wondering, we have flossed today. And finally, if you have a similar story or just want to chat, feel free to reach out to us via email. We'd love to hear from you!
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