Yeah saving the money to buy a house is terrible.
this post was submitted on 07 Sep 2025
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The deposit is not to prove you can make the repayments.
Housing markets do, occasionally, go backwards in value.
If you have a loan for a house which is more than the value of the house you would have an incentive to just stop paying.
Thats why the bank needs a buffer, in the form of a deposit. Its not really nefarious.
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(30 replies)
The problem here is inability to read between the lines. The [bank?]'s message is pretty clear: "Stop polluting my sight, you filthy poor."
I know a lot of you are urbanites, but for anyone who isn't, check out the USDA 502 direct loan program
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(5 replies)
I've never paid a mortgage, but £500 seems pretty low. Do mortgage payments tend to be that much cheaper than rent prices?
Anecdotally I pay over 200% the cost of my father's mortgage to rent a home in a lower cost of living area.
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(4 replies)
An ancient conundrum; you think anyone’s mortgage payment is £500, in any country? Ha!
My actual mortgage payment is probably just under $500. Taxes and insurance just put it at about $1000. I bought a nearly crack den quality fixer upper about 6 years ago in a moderately low COL area. In the truely low COL areas I imagine you might still be able to manage the same pricing today. It's probably doable, just not anywhere most people want to live or with a house that doesn't have a bunch of issues.
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