Advice on house hunting Page 3

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  • Khanivor 8 Sep 2013 21:22:40 43,361 posts
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    Can't say for sure but I doubt it. A tornado will fuck up a building irrespective of whether it has one or two stories. Tornadoes surely influence the desirability of basements though.
  • FWB 8 Sep 2013 21:25:07 54,019 posts
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    Guessing single story is cheaper to build, particular if the land is plentiful. And for the elderly it has the added benefit of no stairs.

    Edited by FWB at 21:25:27 08-09-2013
  • skuzzbag 8 Sep 2013 22:25:12 5,950 posts
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    altitude2k wrote:
    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.
    Detached every time if you can afford it. Having said that we're buying a mid terraced house but the walls are 2 foot of stone so we made an exception.
  • Salaman 9 Sep 2013 09:46:03 22,826 posts
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    House #2 sounds better from the description.
    Kitchens always look so crappy in US houses. Nice and big though!
  • themanfromdelmonte 15 Sep 2013 17:02:24 699 posts
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    I'm going to have a look at a house on Friday. 2 bed terraced, I've got the cash to buy outright. But it's still an effing scary business for a 1st timer.

    I could go and buy a sports/luxury car of the same value without 90% of the faff. Just seems like it's designed to be a ball ache in the UK.
  • ResidentKnievel 15 Sep 2013 17:16:19 7,143 posts
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    buy house two and get more cats
  • Deleted user 27 September 2013 15:35:59
    Well, this is tense. We're all set to make an offer on house 2, only due to complicated reasons we can't make an offer for 30 days (well, 29 days now). But we also know that other people are interested, and that the sellers are dropping the asking price almost every week. The next month is going to be unbearable.
  • elstoof 27 Sep 2013 19:04:41 18,645 posts
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    Nope, making offers is just warm up for the main even of dealing with fuckwitted lawyers and having deadlines for paperwork, surveys, documents, contracts etc beyond your control.
  • themanfromdelmonte 27 Sep 2013 19:23:28 699 posts
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    Been for a 2nd viewing of a house this morning. Was thinking of making an offer. Turned up and waited for the agent, as was the plan. 15 minutes later, ring the agents to see where they'd got to. Turns out they'd changed plan and the vendor's brother was waiting inside for me. Nice of them to let me know. And what the fuck, if I wanted to make an offer, was I meant to speak to the bloke's brother about it?
  • Tonka 27 Sep 2013 19:44:50 26,479 posts
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    Agents are cnuts. Make an offer to the brother and cut out the middle man.
  • elstoof 27 Sep 2013 19:48:36 18,645 posts
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    Was the brother doing anything... Unusual?
  • themanfromdelmonte 27 Sep 2013 21:39:43 699 posts
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    He was watching Wheeler Dealers. How unusual you find that depends on you.
  • altitude2k 28 Sep 2013 09:00:07 5,238 posts
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    Out of interest, what sort of disposable income do people have? Trying to determine our affordability for a new house, and trying to see what's a safe amount of cash per month to have for savings/entertainment/unexpected costs after bills/shopping.

    This will be our first mortgage, having always rented, so this is all a bit scary!

    Edited by altitude2k at 09:01:04 28-09-2013
  • elstoof 28 Sep 2013 09:08:53 18,645 posts
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    Paying your mortgage isn't a lot different from paying rent so the best thing to do is look at your current outgoings on rent, how much you have left over and work it out from there.

    When you get your agreement in principle the mortgage broker will go through your finances and tell you what he thinks you can afford anyway, and don't be surprised if his figure is less than you've been paying in rent up to now either.
  • Carlo 28 Sep 2013 09:16:13 19,857 posts
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    Get the big house. Even if you don't think you'll need it now, there's a good chance at some point you'll say "I need more space" and you don't want to be moving again trust me!

    The location however is the most important consideration, even more than price IMO as it factors in so many things.

    Looks wonderful and I'm envious of the cost to size ratios you're enjoying (as a Londoner).

    Good luck!
  • altitude2k 28 Sep 2013 09:25:49 5,238 posts
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    Cheers for the advice.

    We're both coming up to 30 and we're basically thinking of just diving in and getting our ideal "forever" house, suffering a bit for a few years by overpaying the mortgage (by whatever is permissible) and being more comfortable when my student loan is paid off in 3 years and my wife goes up a nursing band.

    Putting all bills, mortgage, weekly shopping together in an overestimate of our expenditure with the house we want we may get 700 PCM between us for saving and any extras. Which to me sounds fine.

    But speaking with the advisor is the thing to do, you're absolutely right.

    Edited by altitude2k at 09:27:16 28-09-2013
  • themanfromdelmonte 28 Sep 2013 12:53:37 699 posts
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    Another viewing, of another house today.

    My sister knows the guy selling the one I went to see yesterday. So if I end up not going for that one, I'll get her to pass on that they lost him an offer through keeping me out of the loop.
  • themanfromdelmonte 8 Nov 2013 17:42:17 699 posts
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    Shit, my last post seems a long time ago. Made an offer today, which has been accepted. Shit just got real.
  • Mr_Sleep 8 Nov 2013 18:22:02 21,313 posts
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    Good luck, start your clear out of unwanted tat now :-D
  • Psychotext 8 Nov 2013 18:35:05 62,015 posts
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    Sort of related, estate agent fucked me today over a really nice rental property. Said I wanted it, he sent through the paper work, called him back and he avoided us... phone call back tonight, place is now let.

    Cunts.
  • Tonka 8 Nov 2013 18:38:53 26,479 posts
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    That they are
  • Dougs 8 Nov 2013 19:36:58 83,747 posts
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    Snakes. For. Blood.
  • Fixxxer 8 Nov 2013 19:46:17 1,311 posts
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    I had to check the date on this thread to make sure it wasn't from 1978.
  • themanfromdelmonte 30 Jan 2014 21:42:10 699 posts
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    So, after 3 almost months, one of which my solicitors hadn't even received a contract pack in. Solicitors rang me yesterday, seller's solicitor wants to complete, tomorrow. They'd not even informed me that they'd exchanged. Perils of being a cash buyer, month end and they've not hit targets, so rush my sale through.
  • Dougs 21 May 2014 08:56:22 83,747 posts
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    Anyone sold a house privately? Just on the process of putting my house on the market, but there's a possibility my neighbour's mum is interested. She wants a second viewing. If we can avoid the agency fees etc, all the better but just wondered if anyone had done this. Will of course consult the various guides, but 1st hand experience and all that...
  • freddymercurystwin 21 May 2014 09:42:31 1,254 posts
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    Are you saying you wish to avoid the estate agents fees or legal costs? Is it on the market with an agent yet and if so did your neighbours mum hear about it from the agent?
  • senso-ji 21 May 2014 09:47:14 8,073 posts
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    @Dougs

    As long as lawyers get all the paper work right, then selling a house privately is no different to selling through an agent (minus the agency fees).

    Edit: There is a minor difference; I believe you or the buyer will need to verify your ID documents with a second lawyer before passing them on to the main one. This is a quick process that should take no longer than a few minutes and cost around 10 (your solicitor will advise on this). This is one of the things an estate agent includes in their charges.

    Edited by senso-ji at 09:51:26 21-05-2014
  • magicpanda 21 May 2014 09:49:37 14,626 posts
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    We bought our house privately. From our point of view we agreed a price in person and just gave our Lawyer/Conveyancer the details of her lawyers. Spoke to the owner pretty regularly during but it was only chit chat and chasing up details like boiler service records.

    Very painless.

    Edited by magicpanda at 09:51:15 21-05-2014
  • Dougs 21 May 2014 10:01:06 83,747 posts
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    Cool, cheers all. Not on the Market yet...Waiting to see whether she makes an offer first, as I'm sure they will claim commission if a sale is agreed whilst under contract with them, even of it was done privately. We've been up front about the valuations and what we would accept, so fingers crossed.
  • mikew1985 21 May 2014 10:44:43 14,463 posts
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    So... put an inital hold deposit (refundable) on a new 4 bed semi detached house on Monday.
    Location is where we want and the house is lovely and spacious with a lot of convenient modern touches - solar panels, extremely energy efficient build and appliances all included.

    We weren't expecting to move as quickly as we had literally only just put the documentation into the banks for Mortgage purposes.
    So we're in a horrible limbo now where we're waiting on final approval from the bank and despite being told it will not be a problem we are shitting it a wee bit.
    The house is pretty much ready to go so assuming our approvals all go ahead things will move really quickly.

    Anyone with experience of getting the approval process in Ireland and if so did you use one of the, lets say, largest two national banks?
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