Advice on house hunting Page 2

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  • UncleLou Moderator 8 Sep 2013 11:21:12 38,484 posts
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    Photos? Google Earth?*

    Just curious. :)
  • altitude2k 8 Sep 2013 12:50:04 5,238 posts
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    skuzzbag wrote:
    FWB wrote:
    I thought it was just for first time buyers?
    It is but if one has been sensible and not spunked ones money on BMWs and completely overreaching oneself during the time of owning the first property. there should be money in the pot for a decent deposit on the second property and no need for extra help.

    Most people waste it on nice cars and their image though.
    Life is for living.
  • FWB 8 Sep 2013 12:54:14 53,722 posts
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    Suspect property prices play a huge part in struggling to buy.
  • Dougs 8 Sep 2013 13:18:51 82,724 posts
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    There's an existing scheme for new builds but it's being extended to all properties from January.
  • FWB 8 Sep 2013 13:24:11 53,722 posts
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    But is it still just for first time buyers? New builds are not the same thing.
  • Khanivor 8 Sep 2013 13:25:24 43,215 posts
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    Don't think that'll help gremmi
  • Dougs 8 Sep 2013 13:27:16 82,724 posts
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    FWB wrote:
    But is it still just for first time buyers? New builds are not the same thing.
    Nope, all buyers, up to 600k value of the house
  • FWB 8 Sep 2013 13:28:20 53,722 posts
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    Good to know.
  • altitude2k 8 Sep 2013 17:43:51 5,238 posts
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    Might as well go with help to buy, whtever you do. Much better rate loan (free for 5 years then only 1.75%) and you get a better mortgage rate if you use it to get below the magical 75% loan.
  • FWB 8 Sep 2013 17:59:07 53,722 posts
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    It's a good for getting a foot on. Of course you can't legally let a place if you own it this way. Tho you can always buy out the loan and then you are free to do what you want.

    I'm in a flat, so would really like to own it all outright so that I can let it before moving onto a house. I'd never sell an apartment in London if I can help it. Insane to do so since the rent could take a huge chunk out of our mortgage payments for something bigger. The only way I could ever afford a house.

    Edited by FWB at 17:59:31 08-09-2013
  • Deleted user 8 September 2013 18:18:42
    UncleLou wrote:
    Photos? Google Earth?*

    Just curious. :)
    House 2

    House 3

    Though it turns out there's already an offer in on house 3, so unless that all falls through it's pretty much ruled out already. The hunt continues.
  • FWB 8 Sep 2013 18:28:06 53,722 posts
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    3000sqft for 100k. London. Is outrageously expensive!

    Kitchen in the first link looks nicer than the turd colour theme going on in the second. Plus it's over double the size of the second link. Go for the first link and invite us all over for a BBQ party in your mansion.
  • FartPipe 8 Sep 2013 18:28:46 5,315 posts
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    Get one with a swimming pool gremmi, live the high life you lucky bastard.
  • FWB 8 Sep 2013 18:29:54 53,722 posts
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    Actually it says over 6000sqft for the lot. So a big garden. Jesus.
  • Lukus 8 Sep 2013 18:54:01 20,774 posts
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    I thought you were a student Grem? How are you buying a house?!
  • HarryB 8 Sep 2013 19:04:24 7,060 posts
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    This makes me want to leave the UK!
  • mrpon 8 Sep 2013 19:11:10 33,360 posts
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    Some serious pool table potential in those links.
  • Clive_Dunn 8 Sep 2013 19:12:00 4,862 posts
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    Why do the Americans have such shit cookers ? Horrible things.

    Yale Street wins for me, you can't have enough space inside a house.
  • FWB 8 Sep 2013 19:13:27 53,722 posts
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    Cos American cooking is wank. It is just about quantity and everything is done in the oven.

    If I ever win the lottery I'll buy an estate and host an annual EG party.

    Edited by FWB at 19:15:16 08-09-2013
  • elstoof 8 Sep 2013 20:00:20 18,190 posts
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    Using hypothetical lottery money to buy Internet friends is a depressingly low ebb to have sunk to FWB...
  • FWB 8 Sep 2013 20:02:46 53,722 posts
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    Actually, from where I am, it's a step up.

    Edited by FWB at 20:03:01 08-09-2013
  • senso-ji 8 Sep 2013 20:13:51 7,939 posts
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    Why don't American houses have more than one floor? Those are still some very big houses but I'm curious as to why they don't have more floors?
  • Deleted user 8 September 2013 20:17:11
    Because land's cheaper. They don't need to pack everything into a tiny space, so the house design became horizontal, rather than vertical. That said, a lot of houses that look single floor actually have large basement areas that incorporate a few rooms.
  • mrpon 8 Sep 2013 20:18:24 33,360 posts
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    ..and the fat factor.
  • Khanivor 8 Sep 2013 20:22:41 43,215 posts
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    Also, in Idaho there's nothing to see so why bother going up?

    Very few houses round these parts are single story, unless they are a trailer. Most are two floors and many have fully finished basements too.

    Of course, then you have the ones like some we do work in which have lifts in them. And no, not because they are fat bastards. Not many cardiac surgeons are. Similar, we worked on a house - with a lift - where the cooker was some ridiculously overpriced Italian thing. Each of the feet for the cooker cost $400. And yes, there were four of those...

    Edited by Khanivor at 20:23:35 08-09-2013
  • Khanivor 8 Sep 2013 20:29:07 43,215 posts
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    House 2's wood floors will need some attention soon, and they do not look like there were installed according to NWFA standards. And according to a Holmes on Homes episode I watched those basement windows are asking for trouble.

    If 3 becomes available again I'd enquire why the fuck there's tile in front of the entry door. Could be a leak.
  • senso-ji 8 Sep 2013 20:34:11 7,939 posts
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    Interestingly, if land is so cheap, then is it easy to get planning permission and build your own? How economically viable is that? Have to say, I'd be tempted to build a Victorian style mansion bang in the middle of the Idaho country side :)

    Back on topic - I think I prefer (from the pics) house number 2. Nicer layout and finishing (although the cracked concrete around the garage is a little disconcerting).
  • Khanivor 8 Sep 2013 20:45:08 43,215 posts
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    I think that all you need to do is buy land then get the correct permits. And those are based around making sure someone knows how to build and that it won't explode or burn down. It's certainly what we want to do when we have the money; buy a few acres just into the country and put a swell house up. Something modern in construction, well built as it's not put together for maximum profit, and styled and laid out for our wants and needs.

    Economics depend where in the country you are. Here in the South land and buildings are cheap. Try in in Connecticut or the coast of California and it's a different matter. Each state also has different building and safety codes. The more there are the more it costs. Which is one reason it's so cheap here in the South :)

    In my neighborhood you can buy half acre plots of land for around 20k. It's historically protected, (ie, almost 100 years old) so much harder to build on then other neighborhoods. At the north end homes sell in the 150-300 range. Down at our end they top out around 150. The bungalow across the street from us sold for $27k last year. Once it had been cleaned out from the junkie mess it's quite nice. The house next to it is three stories but to have all the work required by law to have a house condemned from being a meth lab to livable again is about $100k, so I can only see that getting knocked down.
  • altitude2k 8 Sep 2013 20:51:21 5,238 posts
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    Right in the middle of a house dilemma myself at the moment. Small David Wilson development nearby - great location. There's a great 3-storey, 4-bed detached house available now for 300k. If we push we can probably afford it just about. However, there's the same style house which will be available to reserve in a few months, but it's a semi-detached. That'll give us time to save more cash and is likely to be cheaper...but it is adjoined.
  • elstoof 8 Sep 2013 21:07:13 18,190 posts
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    You think the chances of tornados may have affected the typical single story architecture style in the middle parts of the US?
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