Should I put house on market - Liverpool area?

It is possible to get mortgages now but you need huge deposits (up to 40%). HSBC are doing a 10% mortgage but not for BTL.

Selling is the toughest it's been for years, but it all comes down to the price you sell for.

In today's market is best time to buy home not selling. You already have a tenant on your home why not let them pay your retirement property for your future. Who knows maybe your home will worth a lot more when you decided to sell in few more years. Plus if you have a good credit or have a money for down payment on your next home why not get one. Your not a first time home buyer so you'll never get that $8000 she's talking about but you can still get a discount on a lot different way. Like have the seller pay the closing cost is one of them. Hire a realtor an tell them all your plan and they will do all the job for you. Good realtor will listen to what you want and will let you know the reality. Sometime good realtor don't get hired when they are trying to tell their client the reality in real estate because some people are so blinded to what they want, they only want to hear what they want to hear. That's why bad agent get hired when they know they can manipulate their client very easily and also lies.

In my personal opinion if you sell now you would hopefully be selling at or near the bottom of the market. If you buy now you would also be buying in a reduced market (NB - I have no idea how prices in Ireland have dropped when compared to England).

In terms of whether more people getting mortgages, the answer is no as there is less money available to lend The market for BTLs has also reduced as they have become harder to borrow against.

Disclaimer:

The answers above are for guidance only and should not be acted upon without you receiving professional mortgage advice relevant to your circumstances. To find an independent mortgage adviser please go to http://www.unbiased.co.uk/

Hello now is the perfect time to sell a home. There are alot of incentives out there for buyers. Buyers are searching for properties like yours.

For one there is that $8000 tax credit that is given to anyone who is a first time home buyer.

There are also CHFA loans out there. Basically that is a loan given to first time home buyers. Usually first time home buyers that get a CHFA loan get a lower rate than other buyers.

There is also alot of grant money just depends on what state you are in.

I am a Realtor and would be happy to assist you if you have any further questions. I work with a network of Realtors throughout the US and would be happy to connect you with the most experienced Realtor in your area.

Email me at tininha111@yahoo.com if you would like further information or just want to talk more about real estate.

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