Business English Course

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A:  My wife and I are looking to buy a starter home.  We’re wondering how much we can realistically afford.

 

B:  What do you two currently do for a living?  How is your credit rating? And how much to you have for a down payment?

 

A:  We are both high school teachers and make about $50 000.  We always pay our bills on time and have no debt but I’m not really sure what are credit rating is. We’ve saved $30 000 for a down payment.

 

B:  Although you’d have to look into it with a bank or a mortgage broker, I’m guessing you could get a 25 year fixed rate mortgage for around 6%.

 

A:  So what would that be in terms of a house price?

 

B:  Off the top of my head I’d say somewhere in the neighborhood of $300 000.  But make sure you check with a mortgage broker.

 

 


 


Key vocabulary and phrases that are discussed in the podcast:

Starter home:  The first home that usually a young married couple buys.  It is a house to live in but not the house they plan on living in forever.  Once they earn enough money they will move into a nicer house.

 

Realistically afford:  The amount of money that you can handle paying.  You should also be safe and think about what happens if you lose your job and not just get the most expensive house you can buy.

 

Do for a living:  what kind of job you have. 

 

Credit rating:  Each person has a credit rating, which is a score based on how well the banks think that person will be able to pay back the loan.  If you have a stable job and a history of always paying your bills on time then your credit rating will be good.  People with good credit ratings will get loans easier and get to pay a lower interest rate.

 

Mortgage broker:  A person who specializes in mortgages.  They help people who are buying homes find suitable mortgages for them at low mortgage rates.

 

Fixed rate mortgage:  There are two types of mortgages.  Fixed rate mortgages and variable rate mortgages.  A fixed rate mortgage is a loan where the rate that you pay back the bank does not change over time.  Variable rate mortgages change over time with the state of the economy. 

 

In terms of:  This is a phrase that is used to talk about something in a specific way.  For example if you ask “how good were your grades in high school?”  someone could answer “very good” or “not bad”.  If you ask, “how good were your grades in school in terms of getting into a top university?” then the person must answer in a way that describes if their grades were good enough to get into a top school.  For example, they could say, “my grades were high enough to get me into any school except for the ivy league schools”

 

Off the top of my head:  This is a phrase to use when you aren’t sure of something exactly but you want to take a guess right now.  If someone asks you how much an airplane ticket from Toronto to Shangahi costs, and you aren’t exactly sure you could say, “Off the top of my head I’d say about $1000”.

 

Somewhere in the neighborhood of: This is another phrase that is used to give your best guess at a number.  If someone asks, “how many people have a gym membership to your gym”, you could say, “somewhere in the neighborhood of 2000”. 

 

 

 

 

 

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