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This is the official flat/house hunting thread 2015.
Hello. Make yourselves at home.
Harsh words, bro.
GOOD LUCK, PN.
Offre au-delà de
Took fucking long enough.
they look good.
Will try to remember this is here.
and it is Not Nice.
Might actually be Quite Nice in Nottingham, though?
Looking forward to:
--Getting excited about moving in together
Decided against the nicest place we've viewed because the kitchen was tiny and it was all single glazing. The (private) landlord then got a bit arsey about criticism of the "period features".
cba chucking £1300 a month into the rent hole anyway.
Have to put up with a bit of a racket and lack of privacy every Saturday afternoon and there's no windows or running water, but its a step up from living in london
We used London and Country and they've helped us with re-mortgages too.
Probably not THE BEST etc. but they can give you the confirmation of an offer thingie that some estate agents request.
because that's where they get all their main commission from so it's less advantageous.
so now we have a mortgage in principle winging its way to us AND we know how much we can borrow. eye-watering stuff!
if so fucking sort it out
So is just putting the house back on for more money after accepting an offer.
still can't get my head round why it's allowed to happen
going through the whole rigmarole has put me off
both times there's not been anyone from sales there to deal with my call
(also: foxtons are shits)
on getting great deals for sellers. So you could draw your own conclusions about the wisdom of buying the properties they advertise.
Great 10 years ago, but now all estate agents are like Foxtons so all it's ended up doing is push prices up.
that it's ages since I did this stuff. And hopefully ages (if ever) before I do it again.
Eames chairs, Minis, bottles of Peroni. All the same.
not been successful. It's a stupid process, basically the agents have no idea what anything's worth.
Our house went on the market at the start of this week. Found out yesterday that the house my mum really wanted was sold at asking price. She'd put a bid in and was waiting a few days before upping it. We're going to look at some in Leyburn area this weekend I think - would love to live Leyburn/Middleham area. But the further west you go the smaller the houses/gardens get :-(
Yes I do realise everyone else in this thread is talking about buying their own house sorry for being a rubbish adult.
and don't apologise for it.
I'm well aware I'm in a quite privileged position to be able to (maybe) afford to buy somewhere.
Also I don't feel like an adult, despite this, and I'm 30 in a month.
but how do you become a second-time-buyer? We'd like to move to a house in a few years and I have no idea how this part works - do you need a new deposit in cash? Or does it just come out of the money when someone buys yours? Do you have to have a buyer for your property before you can put in an offer on one you want to buy?
This all seems like it's going to be more complicated than the first time.
You should really have a buyer for yours before you put an offer in somewhere but not everyone does. It's the wild west, do what the fuck you like, everyone else does.
was worried I'd have to save up a huge amount of money again.
and compared to first time round, there's so little money you have to actually handle or directly pay anyone it all feels slightly unreal.
is from the cash from your sale.
I.e. you go to Mr Mortgage Company and say I owe £150k on my current house, but can sell it for £200k, so there's £50k. How much can I borrow please?
But don't forget to allow for legal fees, survey costs etc too.
Stamp duty, agents fees for your sale, legal fees for your sale AND purchase, all still present and correct. And survey if you are the kind of square that gets one of those.
Our flat under offer to some shitty passive aggressive oh god we are pathetic and can't take a view on fucking anything first time buyers who have held everything up whilst blaming everyone else. I hate the passive aggressive.
Went under offer to them at start of April, and then we were under offer on a house ourselves at end of April, that a lady owned who passed away who's family are selling. They are lovely and live next door, so has been a charm offensive with them as our hopeful new neighbours.
And it has just gone on and on and on and on. We kept the entire summer clear for sorting it out and getting moved, but looks like we *might* exchange on the first day of a two week holiday (that was planned to be several months after we moved) and in at the start of October. That will be six months from accepting their offer.
So in short, even with basically no chain, it is still hell on a fucking stick and I want my summer back please.
Oh, and before we go on holiday next week I also need to change job.
I AM UNSPEAKABLY STRESSED, THANKS.
The best guys in the process have been Barclays Bank, and Bristol City Council. My estate agent pretty decent too. Everyone else an arsehole.
my current house took 18 months. 12 months on the first place we tried to buy, a month of nothing and then 5 for the one I live in now (which is much better than the first one).
60% of the property, with the option of buying additional 10% increments whenever we want. We pay rent on the 40% we don't own, and we've been overpaying the mortgage by £~250pm.
Annoying thing: went into shared ownership because we didn't have any kind of deposit, but we scrimped enough to get 5% on the 50%. With the mortgage, rent, and overpayment we could easily be paying the mortgage for the full property, but we haven't built up the collateral for anyone to give us a mortgage for the full amount.
I don't want to staircase unless it's to 100% as the fees are bloody stupid every time you do it. Definitely want to do that before I sell up though..
Just make sure you have a beautiful guest room xoxox
and yes it's 80% likely to have a spare room
selling a flat is way worse than selling a house, so suggest no one ever buys a flat again to save themselves the future bother.
Because of all the freehold/leasehold stuff?
Can't say it caused me much bother when I sold mine, although I was able to move out while they marketed it and it did take six months to sell.
All the FH/LH stuff, and that there is probably a management committee and service charge issues to sort etc. And also that 98% of people don't understand what the service charge is for and it boils their brain.
for no more than £1250 a month?
I don't know it at all - is it an ok place?
quite posh, some decent pubs and restaurants, big park with dinosaur statues in, and good train and Overground links to London Bridge.
went backwards quite fast after the recession, loads of boarded up shops and restaurants, but it's still a nice place to live, and will bounce back eventually I guess.
which my other half has demanded we move to if we win the lottery.
Anyone remember this: https://www.youtube.com/watch?v=KHotPZDGxx8
I can't listen to it...
Didn't the shops all close up when the one way system came in? It seems to have recovered and seems nice up there nowadays. Years back all the shops along Church Road were boarded up, but it doesn't seem so bad now.
I lived up there as a kid, on Harold Road in Upper Norwood.
I started going back to the triangle for drinks before Palace games and it looks rather nice nowadays. I'll be back there on Saturday too.
Previously I only really popped in to go to Lorenzo's restaurant where we normally go for my dads birthday.
and thanks everyone else who has commented on this little sub-thread.
So Crystal Palace, as n_s says, is entirely doable. As might be Forest Hill.
Would be further up the higher end of yr spectrum though
ideally I'd stay where I am (stroud green) but seems beyond our price range for what we want.
I work in Wallington, it's not that bad is it?
i'd look at Croydon or Tottenham. I get the sense that a lot of first time buyers are chasing their tails. I always hear the same locations. Best to take a punt on somewhere IMO.
Completely agree about Croydon
People take the piss, but things like Boxpark opening there. They're not mugs.
Matthews Yard is a really nice place too.
Being more precise I'd look at Woodside Green, and Addiscombe and close to East Croydon. Both are reasonably nice and hopefully not too expensive.
South Norwood is also starting to change too.
and then I went home and discussed this and he convinced me that we should stay put for another year and then look, and I didn't argue with that because why bother really.
Sick of living near the University, especially with obnoxious students for neighbours, and there's no real need for me to live in the West End any more, beyond my job, as all my friends have moved to the Southside. My rent is anomalously cheap though, so urgh...
It's been hilarious comparing the rent on a one-bed flat in Glasgow to London though.