How much does your house cost you a month?

This is really cheeky but I was wondering if anyone would share how much they pay a month for their house such as bills mortgage and stuff and what sort of house they live in.
I'm looking at buying a 2 bedroom semi detached but just wanting a rough idea on how much it costs a month.

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Lifetime ISA- Can me and my partner both use an isa each on one property and get the full bonuses?

I have been looking into life time isas for first time buyers. Both me and my partner will be first time buyers so my question is:
If we both open a separate account and save as much as we can, when it comes to paying the deposit for a mortgage can we use both accounts and our full savings together. Will we each have the bonuses applied?

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Applying for a mortgage

My fiance and i want to buy a house. I'm still in nursing school but he is 26 and well off. I work so i will obviously help pay for it just like i help in our condo! He has been at his job for 3 years. He is waiting to pay off his car (will be payed off in feb) and pay off his credit card. Which is also almost payed off. Anything else we need to be aware of before be applies? Thanks

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Boyfriend and I are ready to move. We were thinking of getting a loan together and putting a down payment

So I'm applying for loan, and he is my coborrower. Our credit is fair. We don't have any debts or dues.

We're currently renting from a private landlord. She is crazy. We need to move. Getting an apartment seems expensive. We have 2 more couples that want to move and would be willing to split rent for a 3-4bedroom house. My boyfriend and I think it would be in our best benefit to buy a house.

I don't know how mortgages work and even though I'm researching them I still don't really understand.

Let's say we get a loan of 100,000 dollars.
The house we want costs 89,000. What would the mortgage be?

Also we're in our early 20s. I don't feel like this is a mistake, but are we making a mistake? We would like to move to a different state eventually and figure we can sell our mortgage when we're ready if we're able.

Read more: https://allmortgage.net/forum/boyfriend-and-i-are-ready-to-move-we-were-thinking-of.html

New Tax Law 2018: give to charity every other year?

Say you have 30,000 in combined state/local/property tax, 10,000 in mortgage interest deduction, and 4,000 in charitable contributions each year, for two years in a row.

Under 2017 law: 44,000 in deductions (way more than the 13K standard deduction) each year, easy.

Under 2018 law: 10,000 cap on state/local/property, plus 10,000 mortgage, plus 4,000 charity = 24,000 deductions each year, same as standard deduction.

Alternate under 2018 law: give 0 to charity in first year (and take 24,000 in standard deduction), and give 8,000 to charity in second year (and take 28,000 itemized deductions).

Am I seeing this right, did I miss anything?
Added (1). Greg: the biggest chunk of that is property tax, which pays for good schools. Much cheaper than private schools!

Read more: https://allmortgage.net/forum/new-tax-law-2018-give-to-charity-every-other-year.html

Will I Get back on money from my closing costs/house purchase when I file my taxes this year?

Just closed on a house on December 8th in NJ. Down payment + closing costs came out to about $12,000. Is there anything I can do, when I do my taxes, to get money back from this house purchase with closing costs, interests, anything? Asked my mortgage guy but he couldn t tell me. I guess I ll reach out to an accountant to do my taxes going forward cause this stuff really confuses me. Just wondering if anyone here was familiar with this sort of thing.

Thanks

Read more: https://allmortgage.net/forum/will-i-get-back-on-money-from-my-closing-costs-house.html

I all my $38,000 in bitcoin when Bitcoin was at $19,000 what should I do?

I bought 2 bitcoin at about $19,000 for $38,000. It included all of my life savings and took out a $10,000 loan.

I thought it would keep going higher and I'd take my money out when it doubled but now I'm down over $11,000!

I feel so bad because I told my wife I only bought a little bit of Bitcoin but she doesn't know I put our savings into it or about the loan yet. I wanted to surprise her when I doubled our money so we could pay our mortgage off sooner.

This is everything I have.
What should I do?

Maybe it will go back up so I can break even.

Read more: https://allmortgage.net/forum/i-all-my-38-000-in-bitcoin-when-bitcoin-was-at-19-000.html

What is the maximum mortgage I could get with a credit rating of 0 and a part time job with a annual salary of around £18K?

What is the maximum mortgage I could get with a credit rating of 0 and a part time job with a annual salary of around £18K? - 1
Added (1). I've recently been looking at house prices and the feasible ones are around £200K, that's crazy money, I only have savings of £8K (took me half a year to get that). Working up to a good credit score before getting a loan is not an option, I'm 32 and never used credit before, it's too late.

Read more: https://allmortgage.net/forum/what-is-the-maximum-mortgage-i-could-get-with-a-credit.html

How can I get a condo?

I saw a really nice one. I viewed it the very day it was listed. I made an offer the same day. The seller decided to take a cash offer. I had a mortgage approval an everything. I was so crushed. Now I fear I'll never get a condo. How will I get a condo when all they want is to accept cash offers? I fear I'll be stuck in apartments forever.

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How do I rent a place cheaply?

I don't mean the price of the place itself, I mean like if it was leased to me or starting a mortgage. How would I rent a room or flat for free? I'm 25 and I want to move out next year by October 2018 cos I'm tired of family home. I want to move on with my life and I think I will probably have a job in my grad field by then. People say you can wait until you're 30 before you leave yet parents for good but I don't see myself as being here any longer than many months more. How could I plan well to secure accommodation cheaply? I have a job at the moment, it's equivalent to minimum wage job and I will go back to do full time 28 hrs at the end of my uni studies around July.

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