Buying a house (and renting)

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Wed Jan 30, 2019 7:36 pm

:msgreen:
OrangeRKN wrote:That's all fair, individual circumstances are always different. I'm just playing devil's avocado :)


I am happy to hear your thoughts. My anxiety is screaming no at me constantly but see the vest.

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That's not a growth
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PostRe: Buying a house (and renting)
by That's not a growth » Wed Jan 30, 2019 7:38 pm

OrangeRKN wrote:That's all fair, individual circumstances are always different. I'm just playing devil's avocado :)


Bloody millennials and their devil's avocados.

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PostRe: Buying a house (and renting)
by pjbetman » Thu Jan 31, 2019 8:42 am

Hexx wrote:I don't have damp/rot in the kitchen floorboards/under timber :D

It's just (another) place that when they've put central heating pipes in years ago they've cut the floorboards/insulation to put in and never replaced back. They're just "bending" slightly after years and no supported in right places as they don't fit together as well.

Annoying (and not easily fixable as you'd have to redo the entire floor, including under units, as it's all interlinked) but not a big expensive issue :D

(They did however basically say the bathroom is old, strawberry floated and leaking. Needs resealing everywhere, but even around the fittings can leak when shower sprays on them. So maybe a new bathroom would be easier. I've never done/sorted that.)


Sounds like they're just after some lucrative work fitting you a new bathroom. Minimum 2k, but more like 3-4k, depending on spec. The builder will want a minimum of 1k to fit a bathroom and tile it. Which area are you in?

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PostRe: Buying a house (and renting)
by pjbetman » Thu Jan 31, 2019 8:49 am

Qikz wrote:
Hexx wrote:
OrangeRKN wrote:All I'd say Qikz is take your time and don't rush things, if you've found what seem like suitable houses this quickly then that probably means you won't have much trouble finding more. It's such a big purchase, I know if it was me I'd want to view a place multiple times, have some other properties to compare to, get some second opinions from friends or family, make sure I was getting the best deal I could (which might mean waiting to be in a better financial position), and certainly sleep on any decisions before making any commitment.


This is a wise man.


My issue is shared ownership properties are incredibly rare in this area. I can't wait for my salary to go up high enough to buy a house alone as I'd be waiting decades. It's in a great location, it's bigger than a lot of the one bedroom apartments I've seen and it's being built by a reputable developer. It appears it'll be ready early march and I'm going through all the checks. I've got my dad helping me with my step mum who spent months looking at properties especially new builds and their mortgage advisor is helping me out.

I think given the timing, the size (like 4x bigger than I have now) and the cost which will be about my current rent meaning I can up my payments and pay my mortgage quicker then I should be in a good position. I don't want to rush, but if I don't jump at a good opportunity I'll be stuck in my current place which is no where near good enough for what I need. I have 0 room, terrible heating and a bad location right next to a major road and I'm paying way too much in rent.


You're making the right considerations, and it's natural to feel anxious about the biggest purchase of your life. I think the 2 things you need to be considering are if you're going to possibly have bad neighbours (i.e.bad area), and also how easy will this property be to sell. Are there good transport links? Or is there suitable parking? Is the street a cul-de-sac, and difficult to park/turn around? Are there good facilities nearby such as sports centre, nice restaurants, nice pubs, decent schools, near to shopping places for food and clothes etc? All of those things will have an impact on selling it later.

I think the lay out of that property looks ideal, and is reasonably spacious for London area. It's obviously perfect for you now, and for the next 5-10 years or more.

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Thu Jan 31, 2019 8:52 am

pjbetman wrote:
Qikz wrote:
Hexx wrote:
OrangeRKN wrote:All I'd say Qikz is take your time and don't rush things, if you've found what seem like suitable houses this quickly then that probably means you won't have much trouble finding more. It's such a big purchase, I know if it was me I'd want to view a place multiple times, have some other properties to compare to, get some second opinions from friends or family, make sure I was getting the best deal I could (which might mean waiting to be in a better financial position), and certainly sleep on any decisions before making any commitment.


This is a wise man.


My issue is shared ownership properties are incredibly rare in this area. I can't wait for my salary to go up high enough to buy a house alone as I'd be waiting decades. It's in a great location, it's bigger than a lot of the one bedroom apartments I've seen and it's being built by a reputable developer. It appears it'll be ready early march and I'm going through all the checks. I've got my dad helping me with my step mum who spent months looking at properties especially new builds and their mortgage advisor is helping me out.

I think given the timing, the size (like 4x bigger than I have now) and the cost which will be about my current rent meaning I can up my payments and pay my mortgage quicker then I should be in a good position. I don't want to rush, but if I don't jump at a good opportunity I'll be stuck in my current place which is no where near good enough for what I need. I have 0 room, terrible heating and a bad location right next to a major road and I'm paying way too much in rent.


You're making the right considerations, and it's natural to feel anxious about the biggest purchase of your life. I think the 2 things you need to be considering are if you're going to possibly have bad neighbours (i.e.bad area), and also how easy will this property be to sell. Are there good transport links? Or is there suitable parking? Is the street a cul-de-sac, and difficult to park/turn around? Are there good facilities nearby such as sports centre, nice restaurants, nice pubs, decent schools, near to shopping places for food and clothes etc? All of those things will have an impact on selling it later.

I think the lay out of that property looks ideal, and is reasonably spacious for London area. It's obviously perfect for you now, and for the next 5-10 years or more.


Train station to London is 10 minute walk away. Bus stop right outside like a minute away where 3 different buses stop and it's about a 2 minute walk from a massive gym/swimming pool

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Winckle
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PostRe: Buying a house (and renting)
by Winckle » Thu Jan 31, 2019 10:02 am

Qikz wrote::msgreen:
OrangeRKN wrote:That's all fair, individual circumstances are always different. I'm just playing devil's avocado :)


I am happy to hear your thoughts. My anxiety is screaming no at me constantly but see the vest.

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pjbetman
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Joined in 2017

PostRe: Buying a house (and renting)
by pjbetman » Thu Jan 31, 2019 10:32 am

Qikz wrote:
pjbetman wrote:
Qikz wrote:
Hexx wrote:
OrangeRKN wrote:All I'd say Qikz is take your time and don't rush things, if you've found what seem like suitable houses this quickly then that probably means you won't have much trouble finding more. It's such a big purchase, I know if it was me I'd want to view a place multiple times, have some other properties to compare to, get some second opinions from friends or family, make sure I was getting the best deal I could (which might mean waiting to be in a better financial position), and certainly sleep on any decisions before making any commitment.


This is a wise man.


My issue is shared ownership properties are incredibly rare in this area. I can't wait for my salary to go up high enough to buy a house alone as I'd be waiting decades. It's in a great location, it's bigger than a lot of the one bedroom apartments I've seen and it's being built by a reputable developer. It appears it'll be ready early march and I'm going through all the checks. I've got my dad helping me with my step mum who spent months looking at properties especially new builds and their mortgage advisor is helping me out.

I think given the timing, the size (like 4x bigger than I have now) and the cost which will be about my current rent meaning I can up my payments and pay my mortgage quicker then I should be in a good position. I don't want to rush, but if I don't jump at a good opportunity I'll be stuck in my current place which is no where near good enough for what I need. I have 0 room, terrible heating and a bad location right next to a major road and I'm paying way too much in rent.


You're making the right considerations, and it's natural to feel anxious about the biggest purchase of your life. I think the 2 things you need to be considering are if you're going to possibly have bad neighbours (i.e.bad area), and also how easy will this property be to sell. Are there good transport links? Or is there suitable parking? Is the street a cul-de-sac, and difficult to park/turn around? Are there good facilities nearby such as sports centre, nice restaurants, nice pubs, decent schools, near to shopping places for food and clothes etc? All of those things will have an impact on selling it later.

I think the lay out of that property looks ideal, and is reasonably spacious for London area. It's obviously perfect for you now, and for the next 5-10 years or more.


Train station to London is 10 minute walk away. Bus stop right outside like a minute away where 3 different buses stop and it's about a 2 minute walk from a massive gym/swimming pool


That's some good boxes ticked. Should always be able to sell, with those kind of facilities nearby. What's parking like?

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Hexx
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PostRe: Buying a house (and renting)
by Hexx » Thu Jan 31, 2019 10:33 am

pjbetman wrote:
Hexx wrote:I don't have damp/rot in the kitchen floorboards/under timber :D

It's just (another) place that when they've put central heating pipes in years ago they've cut the floorboards/insulation to put in and never replaced back. They're just "bending" slightly after years and no supported in right places as they don't fit together as well.

Annoying (and not easily fixable as you'd have to redo the entire floor, including under units, as it's all interlinked) but not a big expensive issue :D

(They did however basically say the bathroom is old, strawberry floated and leaking. Needs resealing everywhere, but even around the fittings can leak when shower sprays on them. So maybe a new bathroom would be easier. I've never done/sorted that.)


Sounds like they're just after some lucrative work fitting you a new bathroom. Minimum 2k, but more like 3-4k, depending on spec. The builder will want a minimum of 1k to fit a bathroom and tile it. Which area are you in?


Gloucestershire.
It was a surveyor, so they wouldn't actually do the bathroom
It's need to doing (it's old and manky in places), so it's not a big surprise.

What I've been idly thinking is - bath?
It's a small bathroom (3 bed house which is really 2 decent bedrooms and a computer room) - square room with bath(with shower), toilet, sink in and space to stand/move.
I never have a bath - so just putting a shower in would be great (nice big walk in) - but obviously that might put of people if I sell in future

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Thu Jan 31, 2019 6:04 pm

pjbetman wrote:
Qikz wrote:
pjbetman wrote:
Qikz wrote:
Hexx wrote:
OrangeRKN wrote:All I'd say Qikz is take your time and don't rush things, if you've found what seem like suitable houses this quickly then that probably means you won't have much trouble finding more. It's such a big purchase, I know if it was me I'd want to view a place multiple times, have some other properties to compare to, get some second opinions from friends or family, make sure I was getting the best deal I could (which might mean waiting to be in a better financial position), and certainly sleep on any decisions before making any commitment.


This is a wise man.


My issue is shared ownership properties are incredibly rare in this area. I can't wait for my salary to go up high enough to buy a house alone as I'd be waiting decades. It's in a great location, it's bigger than a lot of the one bedroom apartments I've seen and it's being built by a reputable developer. It appears it'll be ready early march and I'm going through all the checks. I've got my dad helping me with my step mum who spent months looking at properties especially new builds and their mortgage advisor is helping me out.

I think given the timing, the size (like 4x bigger than I have now) and the cost which will be about my current rent meaning I can up my payments and pay my mortgage quicker then I should be in a good position. I don't want to rush, but if I don't jump at a good opportunity I'll be stuck in my current place which is no where near good enough for what I need. I have 0 room, terrible heating and a bad location right next to a major road and I'm paying way too much in rent.


You're making the right considerations, and it's natural to feel anxious about the biggest purchase of your life. I think the 2 things you need to be considering are if you're going to possibly have bad neighbours (i.e.bad area), and also how easy will this property be to sell. Are there good transport links? Or is there suitable parking? Is the street a cul-de-sac, and difficult to park/turn around? Are there good facilities nearby such as sports centre, nice restaurants, nice pubs, decent schools, near to shopping places for food and clothes etc? All of those things will have an impact on selling it later.

I think the lay out of that property looks ideal, and is reasonably spacious for London area. It's obviously perfect for you now, and for the next 5-10 years or more.


Train station to London is 10 minute walk away. Bus stop right outside like a minute away where 3 different buses stop and it's about a 2 minute walk from a massive gym/swimming pool


That's some good boxes ticked. Should always be able to sell, with those kind of facilities nearby. What's parking like?


Off road parking. One reserved for me and visitor parking available. My big off put at the moment is it isn't confirmed I can have a pet. Everything else is nearly sorted but unless I get it confirmed I can have my cat and others if the time ever arises then I'm not paying anything. Been chasing paradigm all day about it.

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sawyerpip
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PostRe: Buying a house (and renting)
by sawyerpip » Thu Jan 31, 2019 6:19 pm

You have to get approval for pets on shared ownership schemes? That's ridiculous.

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Thu Jan 31, 2019 6:25 pm

sawyerpip wrote:You have to get approval for pets on shared ownership schemes? That's ridiculous.


This is what something on their website says, so I want it clarified before I sign anything.

Keeping pets
Some leases prohibit keeping pets. Your individual lease
will tell you whether you are allowed to keep a pet in
your home.
If you are allowed to keep pets, you must ensure they
do not cause a nuisance to other people. Do not allow
them to cause damage to or foul in communal areas.
The law requires you to identify your dog by a collar and
tag, even if it is micro-chipped or has other permanent
identification.

I've sent them everything bar rent statement which I'm sending tomorrow, including mortgage agreement.

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pjbetman
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PostRe: Buying a house (and renting)
by pjbetman » Fri Feb 01, 2019 10:27 am

Hexx wrote:
pjbetman wrote:
Hexx wrote:I don't have damp/rot in the kitchen floorboards/under timber :D

It's just (another) place that when they've put central heating pipes in years ago they've cut the floorboards/insulation to put in and never replaced back. They're just "bending" slightly after years and no supported in right places as they don't fit together as well.

Annoying (and not easily fixable as you'd have to redo the entire floor, including under units, as it's all interlinked) but not a big expensive issue :D

(They did however basically say the bathroom is old, strawberry floated and leaking. Needs resealing everywhere, but even around the fittings can leak when shower sprays on them. So maybe a new bathroom would be easier. I've never done/sorted that.)


Sounds like they're just after some lucrative work fitting you a new bathroom. Minimum 2k, but more like 3-4k, depending on spec. The builder will want a minimum of 1k to fit a bathroom and tile it. Which area are you in?


Gloucestershire.
It was a surveyor, so they wouldn't actually do the bathroom
It's need to doing (it's old and manky in places), so it's not a big surprise.

What I've been idly thinking is - bath?
It's a small bathroom (3 bed house which is really 2 decent bedrooms and a computer room) - square room with bath(with shower), toilet, sink in and space to stand/move.
I never have a bath - so just putting a shower in would be great (nice big walk in) - but obviously that might put of people if I sell in future


Your options are:-

- normal shower tray, which is about 6 inches tall. Usually found in flats with concrete floors, because they cant lower the waste water pipes anymore than they already are due to the concrete. Probably the cheapest, but less attractive look.
- a lowered/low profile shower tray, which is about 1-2" tall. Only found in houses/flats with wooden floors, as the waste pipes need to be lowered a few inches to recess them. They look good, fairly modern. Commonly called a walk in shower, due to the low profile.
- a wet room. Which is a completely sunken shower tray, level with the existing floorboards. This is then tiled over, and the whole room is tiled - floor and walls. Ultra modern, but very expensive - 5k plus. The kit is about 2.5-3k at trade prices.

I wouldn't let the resale put you off, as many people like them. And, a bath can be fitted in the shower's place, if they really want a bath.

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Jenuall
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PostRe: Buying a house (and renting)
by Jenuall » Fri Feb 01, 2019 11:08 am

A wild bot appeared! :lol:

Tranio is really not a great name for a company...

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Moggy
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PostRe: Buying a house (and renting)
by Moggy » Fri Feb 01, 2019 12:07 pm

strawberry float sake, even the bots have holiday homes. :x

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Fri Feb 01, 2019 6:53 pm

Haven't heard a word from Paradigm today despite calling and emailing the final of my required documents over. I'm going to assume it's something to do with the snow and them not bothering to go in, but hopefully this isn't bad news.

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Squinty
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PostRe: Buying a house (and renting)
by Squinty » Sun Feb 03, 2019 1:47 pm

Ah, strawberry float. I think my boiler has strawberry floated it.

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Errkal
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Location: Hastings

PostRe: Buying a house (and renting)
by Errkal » Sun Feb 03, 2019 2:09 pm

Squinty wrote:Ah, strawberry float. I think my boiler has strawberry floated it.


That’s not fun :(

We have always had British Gas homecare, takes all the hell out of times like this.

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Squinty
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Location: Norn Oirland

PostRe: Buying a house (and renting)
by Squinty » Sun Feb 03, 2019 6:15 pm

Errkal wrote:
Squinty wrote:Ah, strawberry float. I think my boiler has strawberry floated it.


That’s not fun :(

We have always had British Gas homecare, takes all the hell out of times like this.


Can't seem to isolate the problem with it. It starts on reset, but packs in after 30 seconds.

Pain in the arse as it was serviced a few weeks ago.

pjbetman
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Joined in 2017

PostRe: Buying a house (and renting)
by pjbetman » Sun Feb 03, 2019 11:50 pm

Squinty wrote:
Errkal wrote:
Squinty wrote:Ah, strawberry float. I think my boiler has strawberry floated it.


That’s not fun :(

We have always had British Gas homecare, takes all the hell out of times like this.


Can't seem to isolate the problem with it. It starts on reset, but packs in after 30 seconds.

Pain in the arse as it was serviced a few weeks ago.



Is there an error code?

Does it show the pressure reading? Pressure should be around 1-2.5 bar. Outside of those limits, it'll shut off as a safety precaution. Dead easy to sort out...i'll run through it with you if it's the problem

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Sun Feb 03, 2019 11:51 pm

I've gotta try and follow up on my flat tomorrow while also thinking about a funeral. What a fun day I'm going to have.

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