Buying a house (and renting)

Congrats drummy, but up here Friday is going to be the hottest day we've had in months - so if it's the same where you are I can't help but feel it's going to be a rough day for you.

That's not a growth wrote:Congrats drummy, but up here Friday is going to be the hottest day we've had in months - so if it's the same where you are I can't help but feel it's going to be a rough day for you.

It's allegedly going to be 26°.

Drumstick wrote:We have exchanged. Move day is Friday.

How did move day go?

Jenuall wrote:

Drumstick wrote:We have exchanged. Move day is Friday.

How did move day go?

Good thanks.

Had everything on the van by 10am, completed around 11:30, got the keys about 30 minutes later.

Spent the rest of the day trying to put things in roughly the right place. Got most of it done, most of what is left needs to go in the loft which I need to be ture into tomorrow to board.

9/10

Drumstick wrote:

Jenuall wrote:

Drumstick wrote:We have exchanged. Move day is Friday.

How did move day go?

Good thanks.

Had everything on the van by 10am, completed around 11:30, got the keys about 30 minutes later.

Spent the rest of the day trying to put things in roughly the right place. Got most of it done, most of what is left needs to go in the loft which I need to be ture into tomorrow to board.

9/10

Glad it went well.

Did cuntman follow you?

Moggy wrote:

Drumstick wrote:

Jenuall wrote:

Drumstick wrote:We have exchanged. Move day is Friday.

How did move day go?

Good thanks.

Had everything on the van by 10am, completed around 11:30, got the keys about 30 minutes later.

Spent the rest of the day trying to put things in roughly the right place. Got most of it done, most of what is left needs to go in the loft which I need to be ture into tomorrow to board.

9/10

Glad it went well.

Did cuntman follow you?

The movers saw him off.

Move update!

Everything is coming along nicely. One room is being used to store all of the boxes that need to go into the loft whilst I insulate and board it. Cleaners are in because everything here was filthy, floors are all wooden or tile and walking around barefoot for an hour left us with black feet. Playroom (don't you dare, it's for my daughter) is all set up, living area is all set up, kitchen and bedrooms too. Sky engineer is here installing our TV service, internet was also supposed to be today but the line that is currently here needs replacing so I've still got to wait a couple of weeks. Currently tethering my work laptop to my phone for internet.

Garden needs some work as there is a lot of overgrown foliage. Neighbour had a massive thorn bush which had overlapped our fence quite substantially so I clipped that back immediately.

It's amazing what this move has done for my mental health.

Glad it's going well Drummy.

I know what you mean about mental health, I felt a big raise in my mood when I saw what the lady upstairs put her flat on the market for. It gives me hope that it will be possible to move somewhere nice soon.

Yes the mental health thing is massive. We used to have to keep our flat bedroom window closed due to being above the main door, which would have people smoking weed and being noisey all the time. Constant noise from above. Always worrying about my car as the little peep show scrotes used to use it as an ash tray and sit on the bonnet, setting the alarm off.

The first night in our house was totally silent, not a single noise from anywhere. When we woke up that next morning there was the most amazing sunset of our new view. It was like being on holiday.

Moggy wrote:Glad it's going well Drummy.

I know what you mean about mental health, I felt a big raise in my mood when I saw what the lady upstairs put her flat on the market for. It gives me hope that it will be possible to move somewhere nice soon.

Clue me in, what is preventing you from moving at the moment?

How has your neighbour finalised things with the leaseholder bastards?

Drumstick wrote:

Moggy wrote:Glad it's going well Drummy.

I know what you mean about mental health, I felt a big raise in my mood when I saw what the lady upstairs put her flat on the market for. It gives me hope that it will be possible to move somewhere nice soon.

Clue me in, what is preventing you from moving at the moment?

How has your neighbour finalised things with the leaseholder bastards?

She never said why she's moving, just that she has to.

She's just going to pay them so she can get out.

I'm still waiting for the Property Ombudsman so am waiting for their judgement and for upstairs to sell so I have a really good idea of price.

If these flats are hard to sell or her estate agent has massively overvalued then I might still be stuck.

Moggy wrote:She's just going to pay them so she can get out.

To be honest I think you are in a decent spot. IMO the PO is likely to rule in your favour so that should bring some positives.

And you have the benefit of your neighbour effectively testing the market for you too.

Drumstick wrote:

Moggy wrote:She's just going to pay them so she can get out.

To be honest I think you are in a decent spot. IMO the PO is likely to rule in your favour so that should bring some positives.

And you have the benefit of your neighbour effectively testing the market for you too.

She's always been adamant that she wouldn't pay and so I guess she has reasons for needing to get out quick. I can't blame her.

I'm expecting a very wishy washy ruling from the PO, probably in my favour but avoiding being too harsh on the landlords. They seem a pretty powerless organisation. But a ruling in my favour will hopefully be enough for me to properly threaten the landlords. If the neighbour's flat sells quick and for a high price, then I can decide then whether to cut my losses and take the hit on paying the banana splits.

Trying to buy a house in Scotland sucks. Fixed price houses are few and far between and usually garbage. Everything else is 'offers over' and from my experience, anything decent seems to go way over this. Unfortunately, banks won't lend above the home report value, so anything over that you've gotta find yourself, as well as the deposit. I've looked at so many, fell in love, and put bids in and keep getting knocked back. Realistically we've got about £7k 'extra' we can push to go over the home report value, whilst paying everything else, but this isn't enough. There's ridiculous competition for reasonably priced, non fixer-uppers in central Glasgow. I'm compromising to the stage that I know I won't really be happy in these places, and still getting knocked back. It's so disheartening. I've worked so hard to get a job that pays a decent wage and will afford me a fairly good mortgage, and save up a substantial deposit (without help from parents or whatever) and it's still not enough. I really hate new builds as they're always massively overpriced, cost more than expected once youve chosen flooring etc, are tiny, in the middle strawberry float of nowhere and 99% of the time end up in negative equity the second you've moved in. But for something I actually have a chance to buy I might have to just suck up and deal with it.

Bunni wrote:Trying to buy a house in Scotland sucks. Fixed price houses are few and far between and usually garbage. Everything else is 'offers over' and from my experience, anything decent seems to go way over this. Unfortunately, banks won't lend above the home report value, so anything over that you've gotta find yourself, as well as the deposit. I've looked at so many, fell in love, and put bids in and keep getting knocked back. Realistically we've got about £7k 'extra' we can push to go over the home report value, whilst paying everything else, but this isn't enough. There's ridiculous competition for reasonably priced, non fixer-uppers in central Glasgow. I'm compromising to the stage that I know I won't really be happy in these places, and still getting knocked back. It's so disheartening. I've worked so hard to get a job that pays a decent wage and will afford me a fairly good mortgage, and save up a substantial deposit (without help from parents or whatever) and it's still not enough. I really hate new builds as they're always massively overpriced, cost more than expected once youve chosen flooring etc, are tiny, in the middle strawberry float of nowhere and 99% of the time end up in negative equity the second you've moved in. But for something I actually have a chance to buy I might have to just suck up and deal with it.

I was having to do the same when looking in Edinburgh last year. It's a strawberry floating dreadful system, and the 'offers over' approach means I was losing out even when offering crazy % values over the list price.

How bad are the fixer uppers? Is it worth considering them?

I can live with an ugly but functional house, on the basis that I can make it look nice once we've settled in down the line and back on our feet financially.

What I'm seeing are places with no actual bathroom, which I couldn't afford to install for 6 months after sinking out entire savings into buying the place.

Yeah, that sounds a grim situation.

It's not great. Sometimes I look for properties within my budget in London just to feel a little better.

I can afford a studio flat in zone 5 if I basically go on the game in London. My current bid in Glasgow is a 4 bedroom, duplex flat with roof terrace overlooking a canal and 3 toilets.

lol I am in Reading just now but desperate to come back home to Glasgow, so I do the opposite to make me feel better.

Its always nice knowing that I can have a better quality of life North of the border.