Buying a house (and renting)

PostRe: Buying a house by **degoose** » Wed Jun 10, 2015 6:00 pm

ProPoser wrote:Do it! (The bathroom and the garden tips!) I would start a gardening thread, but you know and I know it would bomb harder than Enola Gay.

who knows we might weed out some people on here who would like it

(sorry had to do that)

But yeah after this weekend i'll grab some before and after photos, trust me you will all love the downstairs toilet pics, the decorating was on par with del boy style wallpaper.

PostRe: Buying a house by **JChalmers** » Wed Jun 10, 2015 9:10 pm

Now being exchanged in morning grrr....

So stressful just want it exchanged and completed on Friday.

PostRe: Buying a house by **JChalmers** » Thu Jun 11, 2015 11:37 am

All exchanged and completion for tomorrow! Massive release of stress right there!

PostRe: Buying a house by **Moggy** » Thu Jun 11, 2015 11:51 am

JChalmers wrote:All exchanged and completion for tomorrow! Massive release of stress right there!

Yay!

PostRe: Buying a house by **Errkal** » Thu Jun 11, 2015 11:56 am

Woop Woop!! Congrats, merry new house!

PostRe: Buying a house by **Poser** » Thu Jun 11, 2015 1:15 pm

JChalmers wrote:All exchanged and completion for tomorrow! Massive release of stress right there!

Awesome news mate.

PostRe: Buying a house by **JChalmers** » Thu Jun 11, 2015 2:32 pm

Cheers, now to have the fun of loading up the van tomorrow morning and waiting for the call to say we can move in.

Got my mum and step-dad coming up as with the mrs being pregnant she can't do any heavy lifting, so hopefully with 4 of us it should be a doddle.

PostRe: Buying a house by **Johnny Ryall** » Tue Jun 23, 2015 8:29 pm

First time buyer here. Had an offer accepted last week. 70K, 3 bedroom (it's the highlands and mid terrace, so that's about right). Going through all the boring legal stuff at the moment. I'm still convinced something will go wrong and it won't happen and I'll stay that way until I have some keys in my god damn hands.

As someone fairly introverted (at times) who has only either lived with asshole flatmates or at home with nagging family members having a 3 bedroom place for just me to doss about in is going to be bliss.

PostRe: Buying a house by **Poser** » Wed Jun 24, 2015 2:12 pm

Johnny Ryall wrote:First time buyer here. Had an offer accepted last week. 70K, 3 bedroom (it's the highlands and mid terrace, so that's about right). Going through all the boring legal stuff at the moment. I'm still convinced something will go wrong and it won't happen and I'll stay that way until I have some keys in my god damn hands.

As someone fairly introverted (at times) who has only either lived with asshole flatmates or at home with nagging family members having a 3 bedroom place for just me to doss about in is going to be bliss.

Sweet, congrats

PostRe: Buying a house by **Johnny Ryall** » Wed Jun 24, 2015 5:28 pm

Poser wrote:
Johnny Ryall wrote:First time buyer here. Had an offer accepted last week. 70K, 3 bedroom (it's the highlands and mid terrace, so that's about right). Going through all the boring legal stuff at the moment. I'm still convinced something will go wrong and it won't happen and I'll stay that way until I have some keys in my god damn hands.

As someone fairly introverted (at times) who has only either lived with asshole flatmates or at home with nagging family members having a 3 bedroom place for just me to doss about in is going to be bliss.

Sweet, congrats

Thanks.

Still some ways to go though. I've done the affordability checks with the bank got them to scan my passport and payslips and that. Because it's in Scotland the home report is done by the seller, banks will only take one dated within 3 months and this is from last September. Pushing the seller to get this refreshed currently.

But as long as the onus is on them and not me I'm quite content for now, I've been nothing but prompt in my side of things as well as keeping all parties updated.

PostRe: Buying a house by **Dual** » Wed Jun 24, 2015 10:37 pm

70k for a 3 bed.

70k.

PostRe: Buying a house by **Johnny Ryall** » Wed Jun 24, 2015 11:51 pm

3 bed and a box room.

Scotland.

PostRe: Buying a house by **DML** » Thu Jun 25, 2015 12:38 am

Saw a house we loved, put an offer in before we'd even seen it and offered over the asking price within seven hours - still didn't get it.

PostRe: Buying a house by **Poser** » Thu Jun 25, 2015 8:59 am

Johnny Ryall wrote:3 bed and a box room.

Scotland.

Given my lack of pension/savings, I certainly wouldn't rule out downsizing somewhere remote in Scotland when I retire. In fact, it might be my best shot at not being totally impoverished :shifty:

PostRe: Buying a house by **Johnny Ryall** » Thu Jun 25, 2015 5:47 pm

Houses are definitely cheap here. But then the average income here is probably a lot less than down south so it probably works out mostly the same (I'm about 23K in earnings atm).

PostRe: Buying a house by **Grumpy David** » Thu Jun 25, 2015 8:31 pm

Nahhhh, not really.

Don't know your deposit but assuming 10%, you need a mortgage of £63,000. That's 2.75x your income. You'd need a huge income for 2.75x it in London to get you a 3 bedroom house. You'll feel better off than many Londoners as your mortgage represents a smaller percentage of your net income.

PostRe: Buying a house by **Johnny Ryall** » Thu Jun 25, 2015 10:17 pm

True. I'm just a pessimist

And yeah I'm sticking down a 7K deposit. Passing the 10K savings barrier tomorrow, exciting!

7256930752 · PostRe: Buying a house by **7256930752** » Fri Jun 26, 2015 11:53 pm

70k. That really is crazy. It if interest, what do new houses in the area cost? I'm sure it would cost about that to build a 3 bed house.

PostRe: Buying a house by **Johnny Ryall** » Sat Jun 27, 2015 10:28 am

Dunno, most new builds seem to be in the countryside here. And I don't drive so wanted to stay in town.

PostRe: Buying a house by **Johnny Ryall** » Wed Jul 01, 2015 9:00 pm

Just need to get the updated home report that I received today printed off tomorrow and faxed by the local branch and then I should get my full mortgage offer.

Pretty exciting/terrifying. Suppose it's nearly time to shop for buildings insurance.

Buying a house (and renting)

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