FabSwingers.com > Forums > The Lounge > Buying a house
Buying a house
Jump to: Newest in thread
 |
By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"So I am on the hunt for a house, as a first time buyer what should I look for??
A solid mortgage offer....."
Going to seek advice about that on Monday from a mortgage adviser as I don't have a clue....  |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
Something in your budget...don't be swayed to go for something more expensive than you can afford to pay just because you can get a higher mortgage. Estate agents kept trying to push me to view houses that we're 10-15k more than I could afford the monthly mortgage payments for...kept claiming I couldn't get what I wanted for my budget, but I stuck to my guns and did x |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"Something in your budget...don't be swayed to go for something more expensive than you can afford to pay just because you can get a higher mortgage. Estate agents kept trying to push me to view houses that we're 10-15k more than I could afford the monthly mortgage payments for...kept claiming I couldn't get what I wanted for my budget, but I stuck to my guns and did x"
Good advice thank you... I have been to view one house an it was a shit hole an they still wanted £100,000 for it... Am I being silly to think that is a bit wrong?? |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"Something rock solid that will keep you going for many years to come.
Ps did you expect an intelligent response or just feeling your way round here ?"
Oh I know my way around here its full of piss taking so an so's.... |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
"Something in your budget...don't be swayed to go for something more expensive than you can afford to pay just because you can get a higher mortgage. Estate agents kept trying to push me to view houses that we're 10-15k more than I could afford the monthly mortgage payments for...kept claiming I couldn't get what I wanted for my budget, but I stuck to my guns and did x
Good advice thank you... I have been to view one house an it was a shit hole an they still wanted £100,000 for it... Am I being silly to think that is a bit wrong?? "
You'd be amazed what they try to get away with! Just take your time with it and make sure you get what's right for you. You'll know when you see the right house...it's a weird thing when you get there and you can see yourself living there! Maybe look a little bit out of your 'normal' area too because you might stumble across a gem...I moved out of the area I grew up in and am glad I did because I got more house for my money x |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"Something in your budget...don't be swayed to go for something more expensive than you can afford to pay just because you can get a higher mortgage. Estate agents kept trying to push me to view houses that we're 10-15k more than I could afford the monthly mortgage payments for...kept claiming I couldn't get what I wanted for my budget, but I stuck to my guns and did x
Good advice thank you... I have been to view one house an it was a shit hole an they still wanted £100,000 for it... Am I being silly to think that is a bit wrong??
You'd be amazed what they try to get away with! Just take your time with it and make sure you get what's right for you. You'll know when you see the right house...it's a weird thing when you get there and you can see yourself living there! Maybe look a little bit out of your 'normal' area too because you might stumble across a gem...I moved out of the area I grew up in and am glad I did because I got more house for my money x"
Very true hun... I am liking your answers fancy a day house hunting|?? hahaha xx |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"Its a buyers market, look at lots and lots of properties before you decide.
Im at the other end of the spectrum, im selling, mine is too big and too expensive for me to maintain on my own now  "
not good.. Ever thought of renting a room out?? |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *andKCouple
over a year ago
Norfolk |
"move to Norfolk, get more for your money and you can have us as your neighbour  Actually do you want to buy our little cottage? I can evict the current tenant (our son)
A bit far for work... "
excuses excuses just get a transfer  |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"I'd make my first port of call a mortgage advisor/building society/bank....before I set my heart on any property.
"
Yes I will... I don't want to get my hopes up on a house then can't get the funds for it... |
Reply privately, Reply in forum +quote
or View forums list | |
"Its a buyers market, look at lots and lots of properties before you decide.
Im at the other end of the spectrum, im selling, mine is too big and too expensive for me to maintain on my own now
not good.. Ever thought of renting a room out?? "
Yes, if i could get my daughter to leave! lol.
My ex husband still owns half so he wants his bit, otherwise i'd just downsize and be quids in! |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
"Something in your budget...don't be swayed to go for something more expensive than you can afford to pay just because you can get a higher mortgage. Estate agents kept trying to push me to view houses that we're 10-15k more than I could afford the monthly mortgage payments for...kept claiming I couldn't get what I wanted for my budget, but I stuck to my guns and did x
Good advice thank you... I have been to view one house an it was a shit hole an they still wanted £100,000 for it... Am I being silly to think that is a bit wrong??
You'd be amazed what they try to get away with! Just take your time with it and make sure you get what's right for you. You'll know when you see the right house...it's a weird thing when you get there and you can see yourself living there! Maybe look a little bit out of your 'normal' area too because you might stumble across a gem...I moved out of the area I grew up in and am glad I did because I got more house for my money x
Very true hun... I am liking your answers fancy a day house hunting|?? hahaha xx"
I only bought pretty recently myself, and it was my first time, so I know what you're going through. I fell lucky with mine I think...only viewed about 15 houses...but it ticked all my boxes. Saw a couple of close runners and was trying to make them fit what I wanted, but then viewed mine and knew it was the right one. Maybe take a friend or family member with you...my Mum was really helpful and made me think about a couple of things I might not have done, like where the boiler was and the beading on the double glazing x |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"Its a buyers market, look at lots and lots of properties before you decide.
Im at the other end of the spectrum, im selling, mine is too big and too expensive for me to maintain on my own now
not good.. Ever thought of renting a room out??
Yes, if i could get my daughter to leave! lol.
My ex husband still owns half so he wants his bit, otherwise i'd just downsize and be quids in!"
not good |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"Something in your budget...don't be swayed to go for something more expensive than you can afford to pay just because you can get a higher mortgage. Estate agents kept trying to push me to view houses that we're 10-15k more than I could afford the monthly mortgage payments for...kept claiming I couldn't get what I wanted for my budget, but I stuck to my guns and did x
Good advice thank you... I have been to view one house an it was a shit hole an they still wanted £100,000 for it... Am I being silly to think that is a bit wrong??
You'd be amazed what they try to get away with! Just take your time with it and make sure you get what's right for you. You'll know when you see the right house...it's a weird thing when you get there and you can see yourself living there! Maybe look a little bit out of your 'normal' area too because you might stumble across a gem...I moved out of the area I grew up in and am glad I did because I got more house for my money x
Very true hun... I am liking your answers fancy a day house hunting|?? hahaha xx
I only bought pretty recently myself, and it was my first time, so I know what you're going through. I fell lucky with mine I think...only viewed about 15 houses...but it ticked all my boxes. Saw a couple of close runners and was trying to make them fit what I wanted, but then viewed mine and knew it was the right one. Maybe take a friend or family member with you...my Mum was really helpful and made me think about a couple of things I might not have done, like where the boiler was and the beading on the double glazing x"
My parents are helping me which is great they have brought about 10 houses so I hope they know what they are talking about...  |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
Don't be tempted to save money buy getting a cheap survey. Pay top whack and make sure they inspect everything, and make sure your solicitor does a thorough land search too, as I got caught out on a house I bought a few years back that had an ancient right of access to the public running right through it. It didn't mean I had hordes of people trampling through my kitchen every weekend but it did cost me when I came to sell up to get it removed from the deeds. |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
"the 2 things i wish we had spent more time considering is...
1 closeness to public transport
2 closeness to a decent pub"
+1 although finding a decent pub in gravesend just ain't gonna happen |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
"Something in your budget...don't be swayed to go for something more expensive than you can afford to pay just because you can get a higher mortgage. Estate agents kept trying to push me to view houses that we're 10-15k more than I could afford the monthly mortgage payments for...kept claiming I couldn't get what I wanted for my budget, but I stuck to my guns and did x
Good advice thank you... I have been to view one house an it was a shit hole an they still wanted £100,000 for it... Am I being silly to think that is a bit wrong??
You'd be amazed what they try to get away with! Just take your time with it and make sure you get what's right for you. You'll know when you see the right house...it's a weird thing when you get there and you can see yourself living there! Maybe look a little bit out of your 'normal' area too because you might stumble across a gem...I moved out of the area I grew up in and am glad I did because I got more house for my money x
Very true hun... I am liking your answers fancy a day house hunting|?? hahaha xx
I only bought pretty recently myself, and it was my first time, so I know what you're going through. I fell lucky with mine I think...only viewed about 15 houses...but it ticked all my boxes. Saw a couple of close runners and was trying to make them fit what I wanted, but then viewed mine and knew it was the right one. Maybe take a friend or family member with you...my Mum was really helpful and made me think about a couple of things I might not have done, like where the boiler was and the beading on the double glazing x
My parents are helping me which is great they have brought about 10 houses so I hope they know what they are talking about... "
fingers crossed!! you'll probably see a few shitholes before you find the right one, but having a nosy at how other people live is one of the fun parts of house hunting too! happy hunting xx |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
p.s. The right house will present itself. I've always believed that and been happy in every house I've owned (4 to date). Trust your instincts. But still do the quality surveys lol |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"Don't be tempted to save money buy getting a cheap survey. Pay top whack and make sure they inspect everything, and make sure your solicitor does a thorough land search too, as I got caught out on a house I bought a few years back that had an ancient right of access to the public running right through it. It didn't mean I had hordes of people trampling through my kitchen every weekend but it did cost me when I came to sell up to get it removed from the deeds."
My mum and Dad had something on their last house with the land some covenents or whatever they are called... It was a nightmare for them to sell the house and land.... |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *andKCouple
over a year ago
Norfolk |
"Don't be tempted to save money buy getting a cheap survey. Pay top whack and make sure they inspect everything, and make sure your solicitor does a thorough land search too, as I got caught out on a house I bought a few years back that had an ancient right of access to the public running right through it. It didn't mean I had hordes of people trampling through my kitchen every weekend but it did cost me when I came to sell up to get it removed from the deeds.
My mum and Dad had something on their last house with the land some covenents or whatever they are called... It was a nightmare for them to sell the house and land.... "
4 people with allotments have access rights over part of our drive, can be a bit of a pain but at least the last 20 yards are private  |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
It's true what they say about location, location, location.
Better to get a smaller place at a good location than a bigger one in a less desirable location.
When viewing the property, visit the area in various times of the day.
For flats, avoid the ground floor ones that is close to a communal front door.
I would avoid middle floor flats due to potential noise issues from the flats above and below.
Good luck.
|
Reply privately, Reply in forum +quote
or View forums list | |
|
By *odareyouMan
over a year ago
not far from iceland,,,,,, tescos is nearer though :-) (near leeds) |
Research, research and research.
the internet is great for it, I probably can't list the sites but there's info available for how long and at what price they've been marketed, ..
location (visit at different times you'd be surprised what changes... )
some mortgage offers only last 90 days beware !! ..
as somebody else has said get the best survey you can afford, anything they find take straight off the price ..
There's no rush .. loads out there definitely a buyers market..
Best of luck.. |
Reply privately, Reply in forum +quote
or View forums list | |
"Something in your budget...don't be swayed to go for something more expensive than you can afford to pay just because you can get a higher mortgage. Estate agents kept trying to push me to view houses that we're 10-15k more than I could afford the monthly mortgage payments for...kept claiming I couldn't get what I wanted for my budget, but I stuck to my guns and did x
Good advice thank you... I have been to view one house an it was a shit hole an they still wanted £100,000 for it... Am I being silly to think that is a bit wrong?? "
Don't be put off by "shitholes" and try to see beyond the decor.
I gave my estate agent a very clear spec as to what I was looking for and when they advised me of one on the market that ticked all the boxes I was very excited.
The estate agent said she wasn't sure I would like it as it was in a terrible state and she was right but my sister in law had the same house layout so I was able to see beyond the decor and recognise the potential once it had been stripped back.
Due to the state of the house I managed to barter with the seller there and then and bagged a bargain. I then spent a month gutting it and putting my design to it and it turned out to be a gem.
As others have said, you will know when you find the right one, just don't let the decor put you off, it's easily fixed.
Good luck and happy hunting, let me know when you need a stripping party lol |
Reply privately, Reply in forum +quote
or View forums list | |
"Once read...and agree with...buying the worst house in the best street is better than the best house in the worst street.
You can improve the house, changing the neighbourhood is far harder"
Good logic  |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *isscheekychops OP Woman
over a year ago
The land of grey peas and bacon |
"Once read...and agree with...buying the worst house in the best street is better than the best house in the worst street.
You can improve the house, changing the neighbourhood is far harder
Good logic "
That is very true.. I don't mind doing up a house but don't charge the earth for a shit pit.. Its like saying a robin rolient is worth £20,000 |
Reply privately, Reply in forum +quote
or View forums list | |
"Once read...and agree with...buying the worst house in the best street is better than the best house in the worst street.
You can improve the house, changing the neighbourhood is far harder
Good logic
That is very true.. I don't mind doing up a house but don't charge the earth for a shit pit.. Its like saying a robin rolient is worth £20,000 "
If it's a shit pit you can barter. So long as it's sound and solid you can work wonders with it. Just make sure the selling price reflects the work you need to do on it and that they take the shit with them when they leave! |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *andKCouple
over a year ago
Norfolk |
"Once read...and agree with...buying the worst house in the best street is better than the best house in the worst street.
You can improve the house, changing the neighbourhood is far harder
Good logic
That is very true.. I don't mind doing up a house but don't charge the earth for a shit pit.. Its like saying a robin rolient is worth £20,000 "
if it yellow and has Trotters Independent Traders on the side it probably is worth 20K lol |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
Work out exactly what you will need to spend every month (gas,lekkie, insurance ect) add exactly what you would like to spend every month (hairdresers, night out, subscriptions ect) deduct from yer monthly income, and know in advance the absolute max you can afford monthly on a mortgage. As mentioned above, they will try to convince you that you can go higher, but don't budge!
Find out if the area is safe from floods.
Don't take their word that the central heating works 
Make sure the house faces the right way so you get plenty of daylight.
Make sure you know where the 'stop cock' is incase of a leak (still not found mine )
Make sure there is no 'Bind' in the garden.. it's virtually impossible to get rid of.
Can't think of anymore for now |
Reply privately, Reply in forum +quote
or View forums list | |
"Work out exactly what you will need to spend every month (gas,lekkie, insurance ect) add exactly what you would like to spend every month (hairdresers, night out, subscriptions ect) deduct from yer monthly income, and know in advance the absolute max you can afford monthly on a mortgage. As mentioned above, they will try to convince you that you can go higher, but don't budge!
Find out if the area is safe from floods.
Don't take their word that the central heating works
Make sure the house faces the right way so you get plenty of daylight.
Make sure you know where the 'stop cock' is incase of a leak (still not found mine )
Make sure there is no 'Bind' in the garden.. it's virtually impossible to get rid of.
Can't think of anymore for now "
Err...make sure you haven't fucked the neighbours! lol  |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
"So I am on the hunt for a house, as a first time buyer what should I look for?? "
I WOULD SAY BUY THE best HOUSE YOU CAN AFFORD IN A REASONABLE AREA ..oops sorry caps !! |
Reply privately, Reply in forum +quote
or View forums list | |
» Add a new message to this topic
