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@red_white_and_ellen: #catsoftiktok #burrowing #hidingplaces
RedWhiteAndEllen
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Sunday 25 October 2026 23:11:59 GMT
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The salary you need for a £350,000 new build on the Your First Home scheme, coming from an accountant @@tembomoney ran the numbers. Here’s the breakdown. 1. The price. Tembo expects homes on the scheme to cost 0.9% more. Your £350,000 home is now £353,150. 2. Your deposit. As low as 2.5%. That’s £8,828. 3. The loans. The government lends you 20%. That’s £70,630, at 0% interest for now. The other 77.5% is a normal mortgage of £273,691. 4. Your salary. Most lenders go up to 4 to 4.5x your salary. At 4.5x, you need to earn £60,820. 5. Monthly cost. At 4.81% over 30 years, that’s £1,438 a month. The catch: this doesn’t include stamp duty, legal fees or your monthly bills. And that £70,630 still has to be paid back. The repayment terms aren’t out yet. I’ll redo the calculations once they are, so follow so you don’t miss it. Would you take the government’s 20%? 👇 (Not financial advice, do your own research, estimates only)
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