UK House Prices

Jippy

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Tbf you bought an eighteen bedroom mansion with two helicopter landing pads, five hedge mazes and a secret medieval sex dungeon. Or at least that's what I assume you bought.
:lol:If you look at zoopla and houser.co.uk you get very different views on your flat- prices are coming down though- zoopla reckons mine is down £10 over a year and stuff used to shift in a day- now it's taking weeks/months.
It's also probably the size of your fecking garage. The second bedroom seriously isn't liveable as a bedroom if you are over the age of maybe 7, hence it's Zibby, our cat's room.

EDIT: The estate agent lied about the medieval sec dungeon. It's clearly Jacobean.
 

rcoobc

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:lol:If you look at zoopla and houser.co.uk you get very different views on your flat- prices are coming down though- zoopla reckons mine is down £10 over a year and stuff used to shift in a day- now it's taking weeks/months.
It's also probably the size of your fecking garage. The second bedroom seriously isn't liveable as a bedroom if you are over the age of maybe 7, hence it's Zibby, our cat's room.

EDIT: The estate agent lied about the medieval sec dungeon. It's clearly Jacobean.
Jippy is Christian Grey confirmed.
 

Penna

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Ubi caritas et amor, Deus ibi est.
I was sent an advert yesterday for a lovely little two-bed terrace in Southport (where we live), big well-set-out south-facing walled garden, all modernised and clean. £120K. It's a good place to live and is quite near enough for commutes to Manchester and surrounds. We bought a semi-detached 2-bed for less than that a couple of years ago. There are loads of decent houses around that price in our town.

I do understand that when you're born and raised somewhere you might want to settle there, but you can have a good life elsewhere. However, it's still a massive problem for a lot of people.
 

Xeno

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Offer recently accepted on a 10yr old, 5-bedroom detached with double garage and massive garden on a quiet cul-de-sac in Warrington. £213k. It's cheap up north.
 

Penna

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Offer recently accepted on a 10yr old, 5-bedroom detached with double garage and massive garden on a quiet cul-de-sac in Warrington. £213k. It's cheap up north.
It's better, too - but don't tell them that down south. They'll all want to come and our house prices will get silly, too.
 

Classical Mechanic

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Offer recently accepted on a 10yr old, 5-bedroom detached with double garage and massive garden on a quiet cul-de-sac in Warrington. £213k. It's cheap up north.
That is cheap. I'm looking for a place in one of the nicer parts of Oldham and you would be looking £350k for a house like that round here.

Realistically @rcoobc you have five options

1. Get a better job
2. Dead relative
3. win lottery
4. Move north
5. Lament
 

rcoobc

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Offer recently accepted on a 10yr old, 5-bedroom detached with double garage and massive garden on a quiet cul-de-sac in Warrington. £213k. It's cheap up north.
Jesus. That'd be like £600k here.
That is cheap. I'm looking for a place in one of the nicer parts of Oldham and you would be looking £350k for a house like that round here.

Realistically @rcoobc you have five options

1. Get a better job
2. Dead relative
3. win lottery
4. Move north
5. Lament
Aha, you're not wrong. We're trying a combination of 1. and 5.
 

GloryHunter07

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This was a funny read:

I finally own my first house – so why do I have buyer’s remorse?

https://www.theguardian.com/comment...y-first-house-so-why-do-i-have-buyers-remorse

My buyer’s remorse is overwhelming. You know how many times I saw this bloody house before I bought it? Once. I went to an open-house day, spent 10 minutes craning my neck to see past the dozens of other people filling the living room, and made an offer. Ten minutes. I’ve taken longer than that deciding whether or not to buy cake.
 

Big Andy

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Offer recently accepted on a 10yr old, 5-bedroom detached with double garage and massive garden on a quiet cul-de-sac in Warrington. £213k. It's cheap up north.
What area of Warrington is that pal?
 

LuisNaniencia

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What's the deal with affordable housing then? They're going to build a new estate on an old schools grounds in my home town and 40% of the 300 houses have to be affordable housing.

Is it like part buy or just cheaper than the market rate?
 

Classical Mechanic

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I think you've misunderstood the tone.
I think I take something different to it than you.

Buying a house after looking at it for 10 minutes is the definition of stupid, the rest is hysterical. He is a freelance journalist so I doubt his sincerity anyway because it makes a good story by going against the general feeling of 'must get on the property ladder at all costs'.

That said, if you want an easy life in the immediate then renting can be the better option.
 

GloryHunter07

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What's the deal with affordable housing then? They're going to build a new estate on an old schools grounds in my home town and 40% of the 300 houses have to be affordable housing.

Is it like part buy or just cheaper than the market rate?
Affordable housing is the new name for social/council housing.

It is below market rent and will be allocated by the council/housing association. You need to be on the waiting list to
 

GloryHunter07

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I think I take something different to it than you.

Buying a house after looking at it for 10 minutes is the definition of stupid, the rest is hysterical. He is a freelance journalist so I doubt his sincerity anyway because it makes a good story by going against the general feeling of 'must get on the property ladder at all costs'.

That said, if you want an easy life in the immediate then renting can be the better option.
Do you live in the south east / london? Putting in an offer after one short viewing is the norm, the market is completely mental. Some people put offers in at the property during the viewing.
 

Classical Mechanic

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Do you live in the south east / london? Putting in an offer after one short viewing is the norm, the market is completely mental. Some people put offers in at the property during the viewing.
If you know feck all about houses then you should take a builder or someone in the construction game to let you know if there are any telltale problem signs because it can cost you big time.

That is how you can be smart about it if you are under any time pressure.
 

GloryHunter07

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If you know feck all about houses then you should take a builder or someone in the construction game to let you know if there are any telltale problem signs because it can cost you big time.

That is how you can be smart about it if you are under any time pressure.
Thanks - i know.
 

Smores

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If you know feck all about houses then you should take a builder or someone in the construction game to let you know if there are any telltale problem signs because it can cost you big time.

That is how you can be smart about it if you are under any time pressure.
Isnt that what your surveyor is for?

The best houses here can go in a day, one visit is really all you get. Arranging an expert opinion for every viewing would be a nightmare.
 

Jippy

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If you know feck all about houses then you should take a builder or someone in the construction game to let you know if there are any telltale problem signs because it can cost you big time.

That is how you can be smart about it if you are under any time pressure.
Tbh, the bank won't lend the mortgage without a survey, so you can withdraw your offer it shows up any nasties.
 

Classical Mechanic

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Isnt that what your surveyor is for?

The best houses here can go in a day, one visit is really all you get. Arranging an expert opinion for every viewing would be a nightmare.
Tbh, the bank won't lend the mortgage without a survey, so you can withdraw your offer it shows up any nasties.
The mortgage survey is just to assess the value of the house because if you are paying more than the house is deemed worth by the mortgage surveyor it can affect your LTV and ability to get a mortgage. It doesn't detail any problems with the house specifically.

Getting a proper home buyer survey done at a viewing is unrealistic but if you are in that situation then taking someone with some industry knowledge e.g. a (good) builder is very useful, especially if you are under intense time pressure. Most problems with a house can be observed quite easily and quickly.
 

Smores

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The mortgage survey is just to assess the value of the house because if you are paying more than the house is deemed worth by the mortgage surveyor it can affect your LTV and ability to get a mortgage. It doesn't detail any problems with the house specifically.

Getting a proper home buyer survey done at a viewing is unrealistic but if you are in that situation then taking someone with some industry knowledge e.g. a (good) builder is very useful, especially if you are under intense time pressure. Most problems with a house can be observed quite easily and quickly.
Yeah I was on about a home buyer survey not mortgage firms survey, when we last put an offer in (before we pulled out) it was conditional on it passing this.

I dont really see getting someone to view prior to the offer as an option or really neccesary. Purely on the speed and volume of houses we had to view.

You just need to know what common issues to look for i guess. My old mans a builder so i knew a fair bit.
 

rcoobc

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If you know feck all about houses then you should take a builder or someone in the construction game to let you know if there are any telltale problem signs because it can cost you big time.

That is how you can be smart about it if you are under any time pressure.
What if you don't know a builder?
 

Jippy

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The mortgage survey is just to assess the value of the house because if you are paying more than the house is deemed worth by the mortgage surveyor it can affect your LTV and ability to get a mortgage. It doesn't detail any problems with the house specifically.

Getting a proper home buyer survey done at a viewing is unrealistic but if you are in that situation then taking someone with some industry knowledge e.g. a (good) builder is very useful, especially if you are under intense time pressure. Most problems with a house can be observed quite easily and quickly.
I can't remember tbh, was a while ago. I remember there were three levels of survey and we went for the middle on. Surely the lender would at least check for subsidence in the area?
 

Classical Mechanic

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I can't remember tbh, was a while ago. I remember there were three levels of survey and we went for the middle on. Surely the lender would at least check for subsidence in the area?
They won't tell you if the windows need replacing in the next five years, if the electrics are inadequate, if the boiler needs replacing or if the upstairs ceiling will come down if you try and pull off those shitty polystyrene tiles off etc etc.

Those things can cost you ££££ and a lot of effort.

My cousin and his wife bought the first house they looked at against family advice and when they got in realised that 'everything needs fixing'.
 

Jippy

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They won't tell you if the windows need replacing in the next five years, if the electrics are inadequate, if the boiler needs replacing or if the upstairs ceiling will come down if you try and pull off those shitty polystyrene tiles off etc etc.

Those things can cost you ££££ and a lot of effort.

My cousin and his wife bought the first house they looked at against family advice and when they got in realised that 'everything needs fixing'.
Maybe not, but those nasty ceiling tiles should be a red flag. You know they are hiding something bad.
 

Smores

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Thanks. I mean I honestly don't have a clue right now.
Have a good look online for checklists, apologies can't quite remember where i found the one I used.

Common sense for a lot of it though, i'm quite allergic to any mould so we were most stringent with tell tales signs of that as people make sure to hide it where they can. Cracks in the walls thicker than a 50p, don't be afraid to give places a good luck especially when something looks like it's just been moved to cover something.

Sure someone else will have more expert knowledge
 

Xeno

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What area of Warrington is that pal?
WA9. It's Sutton rather than Warrington tbf, but I'll be damned if I'm telling anyone I'm in Merseyside. There's a bit more to it than just being cheap, it's a divorcing couple wanting rid pronto, was listed at £249k and then £220k before they accepted my £213k. Needs some TLC, been rented out for 18 months.

We were certain we wanted a repossession/distressed sale, anything else is pretty obscene. A 3-bed ex-local authority semi in Prestwich/Whitefield was about the same sort of money.

We looked at this:
http://www.rightmove.co.uk/property-for-sale/property-54910543.html

Then this:
http://www.rightmove.co.uk/property-for-sale/property-61051814.html
 
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Grinner

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WA9. It's Sutton rather than Warrington tbf, but I'll be damned if I'm telling anyone I'm in Merseyside. There's a bit more to it than just being cheap, it's a divorcing couple wanting rid pronto, was listed at £249k and then £220k before they accepted my £213k. Needs some TLC, been rented out for 18 months.

We were certain we wanted a repossession/distressed sale, anything else is pretty obscene. A 3-bed ex-local authority semi in Prestwich/Whitefield was about the same sort of money.

We looked at this:
http://www.rightmove.co.uk/property-for-sale/property-54910543.html

Then this:
http://www.rightmove.co.uk/property-for-sale/property-61051814.html
I like that second one. Where's the listing for the one you bought?
 

Xeno

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I like that second one. Where's the listing for the one you bought?
Yeah it's lovely but it needs *so* much doing to it. It's damp everywhere, from the roof and the walls, layout is terrible but lots of land etc.
 
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rcoobc

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Front of that looks like a Fire Station. Please get a fireman's pole (can also double a pole for pole dancing)

Also, Current Events is visible online so might not be a great idea to post your future address!
 

Jep

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Offer recently accepted on a 10yr old, 5-bedroom detached with double garage and massive garden on a quiet cul-de-sac in Warrington. £213k. It's cheap up north.
Thats cheap. What area is it though? We've just bought 4 bed detatched (1970's build) with garage, back extension, decent sized garden thats pretty private, also in cul-de-sac in woolston for just under 230k. And that was run down, needing quite bit of work.
Edit: seen you have answered. Yeah looking at edges of warrington can get you a decent house for a good price.
 
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