Moving to London Page 9

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  • LeoliansBro 11 Dec 2012 10:45:52 44,248 posts
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    Great time to fix for as long as possible. That said I don't know how cagey banks are with rates.

    LB, you really are a massive geek.

  • nickthegun 11 Dec 2012 10:46:42 59,945 posts
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    kalel wrote:
    LeoliansBro wrote:
    nickthegun wrote:
    My brother lives near the emirates, five minute walk from highbury tube and I genuinely think hes given up any hope of buying anywhere. The 2 bed flat he lives in with his mrs is valued at nearly half a million and the five bed semi next door but one was recently sold for 1.5m.

    1.5 fucking million.
    He's picked a pricy spot though. Plenty of Zone 3 houses for half the value of his flat, nice ones too.
    I seriously can't understand why people live in Zone 1 or even 2. Well, normal people anyway. If you can afford a nice luxury place in town then good for you, but otherwise why live in a shithole near the centre when you can have a really nice place in zone 3? My comute from zone 3 to Soho is half an hour. Is that really so awful?
    Im fairly sure, in this instance, he moved out of a shared house barely five minutes down the road and couldnt be arsed to move very far.

    Also, he doesnt appear to understand the concept of money. For example, when he was a student RBS sent him a credit card under [firstname][lastname]. They then sent him another one under [firstname][initial][lastname] in error.

    Rather than send it back, he thought 'woo hoo, free money' and maxed them both.

    Tbh, hes not really a good example to throw into any conversation.

    Edited by nickthegun at 10:49:40 11-12-2012

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  • JuanKerr 11 Dec 2012 10:50:33 36,248 posts
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    nickthegun wrote:
    Ask your mortgage provider what it will default to when it expires and how much your payments will. As I said earlier, currently the nationwide default mortgage is cheaper than any other 'product' they offer for us, so we just let our fixed rate one run its course and did nothing after that.
    From what I remember, the default rate is worse than our current fixed rate, but I will ask them just to check. Cheers.
  • sport 11 Dec 2012 10:52:49 12,734 posts
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    nickthegun wrote:
    kalel wrote:
    LeoliansBro wrote:
    nickthegun wrote:
    My brother lives near the emirates, five minute walk from highbury tube and I genuinely think hes given up any hope of buying anywhere. The 2 bed flat he lives in with his mrs is valued at nearly half a million and the five bed semi next door but one was recently sold for 1.5m.

    1.5 fucking million.
    He's picked a pricy spot though. Plenty of Zone 3 houses for half the value of his flat, nice ones too.
    I seriously can't understand why people live in Zone 1 or even 2. Well, normal people anyway. If you can afford a nice luxury place in town then good for you, but otherwise why live in a shithole near the centre when you can have a really nice place in zone 3? My comute from zone 3 to Soho is half an hour. Is that really so awful?
    Im fairly sure, in this instance, he moved out of a shared house barely five minutes down the road and couldnt be arsed to move very far.

    Also, he doesnt appear to understand the concept of money. For example, when he was a student RBS sent him a credit card under [firstname][lastname]. They then sent him another one under [firstname][initial][lastname] in error.

    Rather than send it back, he thought 'woo hoo, free money' and maxed them both.

    Tbh, hes not really a good example to throw into any conversation.
    He's the smart one though - FREE MONEY!!
  • nickthegun 11 Dec 2012 10:55:13 59,945 posts
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    After his rent and debt repayments, i genuinely dont know how he affords to feed himself.

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  • elstoof 11 Dec 2012 10:58:52 7,374 posts
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    Sounds like he'd struggle to buy in zone 6 just as much as where he is now.
  • FWB 11 Dec 2012 11:02:17 44,584 posts
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    Your brother sounds like Jeez.

    Two bed flat in Chiswick is 1/2 mil. Won't even mention what the houses are priced here. Insane.

    My sister has a one bed shoe box in Chelsea that's now worth 1.5mil. She hit the jackpot with her shared ownership when she got it. Paid 325k IIRC.

    Edited by FWB at 11:07:30 11-12-2012
  • nickthegun 11 Dec 2012 11:02:33 59,945 posts
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    he would struggle to buy a terraced house in salford.

    Aaaaaanyway...

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  • kalel 11 Dec 2012 11:05:12 87,700 posts
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    You can still buy a house in London for 100k. Not even a total shit hole either. You can get a three bed in an upcoming part of London for 200k.

    Yes, there are also parts of London where a studio will cost you 1m+, but the picture some paint of London is that it's literally impossible to buy here, and it isn't.
  • elstoof 11 Dec 2012 11:07:28 7,374 posts
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    House for 100k? That's London, England?
  • LeoliansBro 11 Dec 2012 11:11:16 44,248 posts
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    Outer London, I'd agree.

    How about Zone 3 for 250k?

    Edited by LeoliansBro at 11:11:27 11-12-2012

    LB, you really are a massive geek.

  • mcmonkeyplc 11 Dec 2012 11:11:30 39,457 posts
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    A house Kalel or a studio flat?

    My 1 bedroom flat in Twickenham is 222k and that's zone 5 but you can live in zone 5 and still be in central London within 20 minutes depending on your transport links.

    You can buy decent 1 bedroom places for around 200k but I didn't see any houses around that mark.

    You're looking at 250k for a tiny house.

    Come and get it cumslingers!

  • RyanDS 11 Dec 2012 11:12:26 9,385 posts
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    kalel wrote:
    You can still buy a house in London for 100k. Not even a total shit hole either. You can get a three bed in an upcoming part of London for 200k.

    Yes, there are also parts of London where a studio will cost you 1m+, but the picture some paint of London is that it's literally impossible to buy here, and it isn't.
    Where?

    I haven't seen less than 200k unless you want to live in a warzone like Croydon.
  • sport 11 Dec 2012 11:14:04 12,734 posts
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    You can buy a lovely cheap house alongside the M25 - as long as it's on the right side, you're in London \o/
  • kalel 11 Dec 2012 11:18:08 87,700 posts
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    There are plenty of two/three bedroom houses around Stratford and Forest Gate for around or under 200k. And it's a genuinely upcoming area (although yes, fair enough right now it's not exactly a lovely area).
  • sport 11 Dec 2012 11:19:10 12,734 posts
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    It's a "charming" area. And houses are very "cosy".
  • elstoof 11 Dec 2012 11:20:33 7,374 posts
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    Those houses lined along the A406 around Neasden way... They must be a hard sell. Off street parking though, my only worry is I'd be too scared to pull out of my driveway directly onto the north circular.
  • mcmonkeyplc 11 Dec 2012 11:23:54 39,457 posts
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    How the hell do they get the cars in there?! Hand brake turn off the north circular?

    Come and get it cumslingers!

  • FWB 11 Dec 2012 11:25:34 44,584 posts
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    The artist houses right on the A4 are architecturally very nice, if in a horrendous location and needing a lot of work. But they're still worth a million.
  • kalel 11 Dec 2012 11:26:39 87,700 posts
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    Some of those houses on the North Circ are really nice once you get past Hangar Lane into the more Surrey part of it. They baffle me personally. Can't imagine how anyone can stand literally having their house on that road, but I guess you get some good glazing and you probably don't know the difference.
  • nickthegun 11 Dec 2012 11:31:44 59,945 posts
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    And air-conditioning. I lived near spaghetti junction in birmingham and, yeah, it was OK when the windows were shut but it was unbearable in summer.

    You had the delightful choice of being kept awake with the searing heat or the insanely loud road noise (or, on occasion, the pissheads pouring out of the fucking irish club over the road).

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  • JuanKerr 11 Dec 2012 11:34:11 36,248 posts
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    I don't care how nice the house is, I'd never live near a busy road. Bad enough living a mile away from the M11 at my previous place.
  • elstoof 11 Dec 2012 11:34:21 7,374 posts
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    The state of the walls is what gets me, those houses are black with exhaust fumes. You can't be doing yourself any favours breathing that in all the time.
  • nickthegun 11 Dec 2012 11:35:56 59,945 posts
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    I wouldnt live near a busy road now I have kids. nimby4lyfe.

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  • mcmonkeyplc 11 Dec 2012 11:37:11 39,457 posts
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    I've lived on the flight path of Heathrow airport for most of my life. I honestly don't notice it.

    Edited by mcmonkeyplc at 11:37:30 11-12-2012

    Come and get it cumslingers!

  • FWB 11 Dec 2012 11:41:05 44,584 posts
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    It is amazing how much you filter out. I've lived in busy, super busy and now relatively quite places. Moving from the first to the second was unbearable, but I soon got used to it. Moving from busy to quiet... I found it really eerie. I actually only appreciated how less quiet my old place was after I moved. I had learned not to hear anything.
  • JuanKerr 11 Dec 2012 11:41:29 36,248 posts
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    You do get used to it - my parents live close to Stansted Airport and they don't notice it.
  • FWB 11 Dec 2012 11:43:16 44,584 posts
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    That said, not sure sitting by a major road, breathing in the fumes, covered in filth would be something I'd ever get used to.
  • nickthegun 11 Dec 2012 11:43:52 59,945 posts
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    i live on the flight path to RAF Brize Norton and those hercules make a hell of a fucking racket when they are coming down but, yeah, you get used to it but thankfully its not constant.

    Also, im one of those weirdos who takes batteries out of clocks in other peoples houses as I need complete silence to sleep.

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  • mrpon 11 Dec 2012 11:44:18 28,922 posts
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    Let's not forget this guy.

    Give yourself 5 or gig, you're worth it.

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