Full video: • Once mortgage loan approved. | Mortgage, H...
Welcome to UK Telugu Talkies – your trusted channel for UK lifestyle, housing, career, and financial advice in Telugu!
In this exclusive video, we sit down with Karthik Reddy, a professional mortgage advisor in the UK, to discuss one of the most important topics for anyone planning to buy a house in London or across the UK.
👉 If you are a first-time buyer, planning to move to London, or simply curious about the UK property market, this video will answer all your key questions about savings, credit score, and the mortgage process.
📌 Topics Covered in This Video:
✔️ How much savings do you need to buy a house in London or the UK?
✔️ What is the minimum and ideal deposit percentage for first-time buyers?
✔️ What credit score do you need to get mortgage approval in the UK?
✔️ How does your income, expenses, and employment history affect your eligibility?
✔️ What questions should you ask your mortgage advisor before applying?
✔️ Tips to improve your chances of getting a mortgage approved.
✔️ How mortgage works in London vs other UK cities.
✔️ Common mistakes first-time buyers make and how to avoid them.
💷 Buying a House in London – The Reality
London is one of the most expensive housing markets in the world. House prices are high, and many people struggle to save for their first property. In this video, Karthik Reddy explains how much you realistically need in savings, the importance of a deposit (minimum 5–10%), and how lenders calculate affordability.
He also discusses different types of mortgages available in the UK, including fixed-rate, variable-rate, and tracker mortgages, and how each one suits different buyers.
📊 Credit Score & Eligibility
Your credit score is one of the most important factors in getting a mortgage approved.
👉 What is the minimum score required?
👉 How can you build or repair your credit history in the UK?
👉 What financial mistakes should you avoid before applying?
This video gives you a clear idea of how banks and lenders view your financial background.
❓ Questions to Ask Your Mortgage Advisor
When meeting with a mortgage advisor like Karthik Reddy, make sure you ask:
What is the maximum amount I can borrow?
What is the best mortgage rate available now?
What are the hidden fees (arrangement fees, solicitor fees, valuation fees)?
Should I go for a fixed or variable rate?
What government schemes (like Help to Buy or Shared Ownership) are available?
🎯 Who Should Watch This Video?
✅ Students finishing studies and planning to settle in the UK
✅ IT professionals and skilled workers moving to London
✅ Families planning to buy their first home in the UK
✅ Anyone looking to understand UK mortgage and housing market in simple Telugu
📢 About UK Telugu Talkies
UK Telugu Talkies is your go-to channel for all things related to life in the UK. From immigration tips, job guidance, housing advice, and financial planning to lifestyle and cultural discussions, we bring you valuable insights in Telugu language.
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👍 Like this video
💬 Share with friends and family who are planning to buy a house in the UK
📌 Comment your doubts, and we will try to cover them in future videos
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