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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 14, 2016 10:36 
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We got 10% off the asking price which was a good deal as an acrimonious divorcing couple need a quick sale.

But anyway, I'm chucking in the idea of ever finding a decent place to live.

The reason I want out of here is because our landlady is quite happy for my little boy to live in a room where the damp is so bad that mould re-grows in under a week, which means he will have to sleep in the living room in winter.

But yes, it's a blow. At least it was something I thought we might have some control over if we could deal with it. At least I thought the surveyor was genuine in his advice that it's a relatively big job but worth doing for the value of property at the price we can have it. He seemed to suggest it was very much the worthwhile investment to pay for the damp coursing and pointing to be done. It was something the current owners were aware of and were in the process of sorting (they've done a massive amount of work on the place already, converting the loft and putting a new bathroom in, etc, but they've only been in a year before obviously hitting relationship trouble and the husband wants the wife out so she's going with the kids to live with mum. But advice here conflicts with that of the surveyor, so I guess we'll think some more.

Thank you all for your honesty.

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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 14, 2016 10:56 
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I wouldn't write if off Mimi, we got a survey done on our house and were minded to walk away given the list of remedial actions required, but like yours it was priced pretty damn cheaply for its size and we took a view as to what would need to be done immediately versus what could wait a bit. (Some dodgy electrics needed addressing immediately for example at a cost of over £1000 IIRC, but the roof which was in a poor state was nonetheless intact and we left it until we could afford to get it done.)

We got our house for £184K versus around £215K-£225K for a similar property in supposedly 'perfect' condition. At the time £175-£185K was buying a modern-build shoebox sized house similar to what we'd been renting and found far too small to be comfortable in (and very cheaply built IMO too, I much prefer Victorian build houses as they're solid, even though they come with issues).

We also had damp flagged up and even had to give a written commitment to the bank we'd get it done after we moved in, but a couple of friends gave us advice that because of the sort of house it was (a big three-storey mid-terrace Victorian town house that had been empty for a while), the damp might just recede once it had people living in it again (movement of air, heating on, windows and doors opening and closing etc) - it sounded somewhat fanciful to me and we were fully expecting to have to get the damp sorted, but amazingly after we moved in it really did disappear over the course of a few weeks and months. (We've been in there nearly ten years now, still haven't had it done, and there's no problem with damp.)

Now I'm not saying the damp in the house you're looking at will magically disappear, but if you go in with your eyes open and are realistic about what it'll cost to put right, when you'll need to get it done, and whether or not the house is OK to live in during the interim, then it doesn't have to be a deal-breaker - and of course it needs to be reflected in the price you pay, which it sounds like is the case.

Also it sounds like your rental situation is a bit of a nightmare, so there's the mental and emotional improvement that'll come with being in a place of your own that you have control over, even if it's imperfect and needs stuff doing to it - part of that is how you feel about the house and if you want to be in there, and if your heart is in it and it works for your family and improves your collective state of mind, then that can be a massive plus point all in itself.

Have a think about it, chat with your nearest and dearest, and see if it's something you want and are willing to plan around going forward.


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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 14, 2016 11:24 
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Grim... wrote:
That's another warning sign - houses aren't priced cheaply by accident.


Perhaps because they're aware of the damp and lowered the price to take it into account? :shrug:


I'm the kind of person that would fall in love with a house and then move in and fix whatever needs fixing whatever the cost (because I want to find a home, not an investment to make a profit out of), so I'm the wrong person to give you advice Mimi, but :luv: to you - hope you manage to pick yourself up soon.

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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 14, 2016 11:27 
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I wouldn't write off a house that needs work, as it will be cheap because of that. As long as you have the funds and the want to fix it up, then if you go in with your eyes open it could be good.
However, the difficulty comes with finding the cash, getting £20k off the price of the house, doesn't put that £20k into your pocket to use to fix it up. You'll only get the mortgage to the value of the house minus your deposit, and buying it for £20k cheaper will reduce the value of the house, so you'll get a smaller mortgage on it.

If you have the money in the bank to fix it, and you like the house, and it's a good deal, and you have had the full survey done and know all the issues, then go for it.


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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 14, 2016 11:50 
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I'd say it's time to go back to the vendors with the report and say that it's highlighted a very large expense that you hadn't taken into account when deciding on your offer.

If they are prepared to accept less, then it might be worth proceeding, especially if you'd be able to stay in your current flat for a few weeks before moving in while work is done.

The vendor is going to have to deal with this whether it's you that buys it or someone else.


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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 14, 2016 12:08 
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Thanks all for the perspectives and advice.

It's obviously something we'll have to think on with some foresight to what may be involved. We can't move out of this craphoke until December, anyway (or at least will be paying until then), so if we did decide to have it done then we could hopefully gave it done in that time.

The walls on the gable end are mostly papered, having been decorated over a year ago, so have seen it through one very wet winter anyway, and I could see no damp myself, so it isn't overt (easy to hide in a painted wall, not so easy when papered) whereas our current problem looks like this (these were taken in May... It's pretty depressing. We use mound and Mildew treatments, leave windows open to dry, heating and run a dehumidifier... Landlord put up rent extortionately and we asked her to look into a fix, she told us to buy more dehumidifiers... She's refused to do anything since.

I just can't bear the thought of having Darwin here another year. It breaks my heart. I'll have to do something, I just don't know what yet.


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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 14, 2016 12:11 
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Today would be better if I had a Guinness and some pokeballs.

And if I wasn't massively ill.

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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 14, 2016 13:28 
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Trooper wrote:
I wouldn't write off a house that needs work, as it will be cheap because of that. As long as you have the funds and the want to fix it up, then if you go in with your eyes open it could be good.
However, the difficulty comes with finding the cash, getting £20k off the price of the house, doesn't put that £20k into your pocket to use to fix it up. You'll only get the mortgage to the value of the house minus your deposit, and buying it for £20k cheaper will reduce the value of the house, so you'll get a smaller mortgage on it.

If you have the money in the bank to fix it, and you like the house, and it's a good deal, and you have had the full survey done and know all the issues, then go for it.


I think these are the most relevant points.

It very much depends on what you want - we bought a house that we knew was too small for us all and needed lots of work because the cost of turning it into our dream home was nothing compared to the cost of buying what we've ended up with. There were 6 of us in a 3 bedroom bungalow, with one reception room and one bathroom. It was a nightmare at times, and it had damp and the windows were awful - one of the sashes fell out! I had no kitchen for weeks, right before Christmas and there is dust everywhere, constantly. But... It is so worth it now. I wouldn't do it again but it has been worth the hassle and expense.

You very much do need to be objective and I wish you guys all the best of luck.

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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 14, 2016 13:34 
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We do have the money in the bank to fix it, almost double what they've given as the cost of the work. I think we'll have to have a think about whether to make a reduced offer in light of the issues.

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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 14, 2016 14:46 
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Yep. Under no circumstances should you proceed without a discount.


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 Post subject: Re: House Buying Advice
PostPosted: Wed Jul 20, 2016 20:15 
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Hullo, just to update this. We did end up cancelling the sale in the end. We wanted just to see what the sellers would move on with the negotiation, but I don't think we'd ever have got anywhere.

The place was lovely (well, to my mind... obviously that's very subjective) but damp is just something that you can't leave to fix another day. Anyway, the surveyor ball-parked damp-coursing the gable-end, re-pointing and plastering at about £10,000, and ideally it'd then need rendering and painting to provide better damp=proofing to keep the value of the house, so that would have been a longer-term project but more expense.

For the curious, the house is here, for pictures: http://www.rightmove.co.uk/property-for ... 60930.html

So, we communicated this to the estate agents, who went to the sellers. Now, the sellers told both the estate agent and the surveyor that they were aware of the problem (though hadn't mentioned it until now.

Then when we asked for the cost of the work to be covered, they came back basically saying no way, there was no damp and they didn't believe that there was a problem with damp, and that they wouldn't accept the survey and we should say for a specialist damp surveyor. Really, that's their job, we aren't going to pay for their damp survey. Right?

Anyway, then they said that the price of the house was accepted because they knew about the work needed for the damp (even though they don't think any work needs doing for the damp.

They then agreed to drop the price by, I think, £1,2000.

After we stopped laughing we phoned the estate agent to cancel the sale, but the lady we've spoken to the entire time has just gone on maternity leave and this new woman (Cathy) basically wouldn't let us walk away, said 'no, wait until they look into an estimate, yadda yadda.

I kept saying no, we were out, but she actually kept on just interrupting me and talking all over me, which was horrid. She then said that they had miscommunicated to the vendors what we were saying (perhaps because she wouldn't listen?) and that we would wait until she was back in on Friday and she will talk to them then.

ANYWAY (phew) today we cancelled with the solicitors, and phoned and spoke to someone senior at the estate agents, who was actually excellent. He did say that the vendors said that they had contacted him to say instead of taking the £1,200 off they would paint the inside with some waterproof paint... err... nope. Really don't just want to trap the water between the bricks and a layer of paint, you weirdoes... We explained our reasons, he said that it sounded as if the vendors were not being upfront or transparent, and was actually very supportive and said he thought it was the right decision for us in our circumstances, especially when we said that damp was our major concern because we were worried about the baby's health.

So, I'm sad, because I liked the attic, and the garden especially, and the parquet floors, but oh well. Will keep looking. I just wish I had a little vegetable patch to grow carrots and tomatoes with Darwin :luv: And a washing line. :'(

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 Post subject: Re: House Buying Advice
PostPosted: Wed Jul 20, 2016 20:31 
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I can see why you liked it. It's been very well decorated.
Sadly if they weren't going to be sensible you've done the right thing.


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 Post subject: Re: House Buying Advice
PostPosted: Wed Jul 20, 2016 20:34 
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I didn't like much of the decoration, as it happens. I liked the fireplaces and original floors, etc, but not the walls (but they would have been easily changed). I did like the rooms, though, and the garden.

I liked the dining room colour, though :P

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 Post subject: Re: House Buying Advice
PostPosted: Wed Jul 20, 2016 21:41 
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It's a nice looking garden but I think you've done the right thing. There's no way Russ would have coped with the low ceilings in that loft.


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 Post subject: Re: House Buying Advice
PostPosted: Wed Jul 20, 2016 22:05 
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THE CEILING WAS MASSIVELY HIGH.

Oh man. It was nice. Never mind, I hate it now.

Stupid house.

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 Post subject: Re: House Buying Advice
PostPosted: Wed Jul 20, 2016 23:19 
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Mimi wrote:
THE CEILING WAS MASSIVELY HIGH.

Oh man. It was nice. Never mind, I hate it now.

Stupid house.

You will find the perfect place with no damp! This has been a lucky escape. :)

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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 21, 2016 7:04 
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Lonewolves wrote:
Mimi wrote:
THE CEILING WAS MASSIVELY HIGH.

Oh man. It was nice. Never mind, I hate it now.

Stupid house.

You will find the perfect place with no damp! This has been a lucky escape. :)


:this:

And you now know that gable end walls could be bad.

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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 21, 2016 7:44 
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Damn walls.

Pretty difficult to find houses with no gable end unless you want a mid terrace, though.

We're going to make a few more viewing appointments, but I can't find anything else I like. I can't help but get s little hung up on a garden. It's become a bit of a pressing point for me. I think I need an outside since where I feel completely safe and at ease with the BEEX Baby, for those times when I don't want to brave the town centre or busy park.

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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 21, 2016 8:29 
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Lonewolves wrote:
Mimi wrote:
THE CEILING WAS MASSIVELY HIGH.

Oh man. It was nice. Never mind, I hate it now.

Stupid house.

You will find the perfect place with no damp! This has been a lucky escape. :)

:this:

It's easy when you start looking at houses to find one you like and become convinced that it's definitely the one and that you'll never find anything as good or better especially after it falls through. But keep looking and you definitely will.


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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 21, 2016 8:41 
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markg wrote:
Lonewolves wrote:
Mimi wrote:
THE CEILING WAS MASSIVELY HIGH.

Oh man. It was nice. Never mind, I hate it now.

Stupid house.

You will find the perfect place with no damp! This has been a lucky escape. :)

:this:

It's easy when you start looking at houses to find one you like and become convinced that it's definitely the one and that you'll never find anything as good or better especially after it falls through. But keep looking and you definitely will.

Thank you.

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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 21, 2016 9:20 
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Mimi wrote:
Pretty difficult to find houses with no gable end unless you want a mid terrace, though.


This is truth.

Watch for trees too close to gable ends, too.


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 Post subject: Re: House Buying Advice
PostPosted: Thu Jul 21, 2016 9:30 
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DavPaz wrote:
Mimi wrote:
Pretty difficult to find houses with no gable end unless you want a mid terrace, though.


This is truth.

Watch for trees too close to gable ends, too.


Ah, the memories...

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 Post subject: Re: House Buying Advice
PostPosted: Wed Jan 06, 2021 12:39 
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I hope no one minds me reusing an old thread.

Lockdown was announced the evening before I was going to phone the estate agent to organise a second viewing on a property I've been mulling over for a couple of weeks :facepalm: Activities related to the sale and purchase of homes is still allowed but we were shown around by the agent at the first viewing and told the reason it's an agent and not the sellers was because the sellers are shielding. I phoned the agent yesterday anyway to ask if we could have a second viewing and they said the sellers had asked once lockdown and shielding was reintroduced that only buyers ready to proceed immediately (i.e. with their home sold) be accepted for viewings but they might feel differently about us since it's a second viewing. Regardless of if we get a second viewing or not, I might have a dilemma.
Do I put an offer in if we like it, conditional on our property being sold and then list our property during lockdown?
Or do I put in a note of interest and list our property?
Or put in a note of interest and take no further action?
Or not do anything until lockdown is over?

Are notes of interest a thing in England? I know that the whole house buying process is a bit more stressful down there.

I don't want the sellers to feel uncomfortable or anxious if they are in the shielding category so I'm not going to push for a viewing if they're reluctant so I'll see what they say. I asked if they'd found somewhere yet because they hadn't when we had our first viewing and the agent said they're still looking so I would hope that means they're not in a rush since surely they can't be doing much house hunting if they're shielding and not carrying out viewings? Apparently they want to move to Aberdeen as well which is a couple of hours away so that makes it even more unlikely they find a property to buy during lockdown, unless they base it on a video tour which I know was happening back in March lockdown.


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 Post subject: Re: House Buying Advice
PostPosted: Wed Jan 06, 2021 12:51 
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You're in a better position for buying a house in Scotland than in England (cant get Gazzumped up there... I think).

We took a gamble on a house we liked by putting in an offer before we'd had a solid sale on our accepted. Luckily it all worked out for us.

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 Post subject: Re: House Buying Advice
PostPosted: Wed Jan 06, 2021 13:02 
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Zardoz wrote:
You're in a better position for buying a house in Scotland than in England (cant get Gazzumped up there... I think).

We took a gamble on a house we liked by putting in an offer before we'd had a solid sale on our accepted. Luckily it all worked out for us.

Yes once an offer has been accepted here, it's very rare for the sale to fall through and if it does, it's usually on the buyers end (such as not being able to sort out a mortgage). Our house is a desirable property in this area so I've no doubts it will sell quickly, but I'm not sure how wise it is to list it at the start of a lockdown of indefinite duration. Can't believe I might have to leave my full fibre to the property broadband behind :'( Anyone have any idea when new builds started laying fibre to the property as standard? The house we're looking at is about fifteen years old.


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 Post subject: Re: House Buying Advice
PostPosted: Wed Jan 06, 2021 13:38 
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A friend of mine moved into a new house about two or three years ago. They bought it off the plans so it was brand spanking new.

It didn't and still doesn't have fibre to the property.


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 Post subject: Re: House Buying Advice
PostPosted: Wed Jan 06, 2021 14:52 
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TheVision wrote:
A friend of mine moved into a new house about two or three years ago. They bought it off the plans so it was brand spanking new.

It didn't and still doesn't have fibre to the property.

Our house was built in 2016 and we got FTTP this summer but the fibre lines were laid when the house was built, the hold up was getting fibre to the cabinet.


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 Post subject: Re: House Buying Advice
PostPosted: Wed Jan 06, 2021 17:37 
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My house was built in 1750 and only got FTTP in October!


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 Post subject: Re: House Buying Advice
PostPosted: Thu Jan 07, 2021 12:51 
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Sellers have come back to say they're not comfortable doing a viewing unless the buyer is in a position to make an offer. I understand them not wanting viewers in if they're shielding but I'm frustrated that they're making an exception for buyers who've sold already since they present the same risk and the sellers haven't found a property to move to yet. It would make more sense if they just suspended viewings until it was safer :shrug:

Anyway, I'm not too upset and have decided just to wait and not do anything for now. I really don't want to list my house at the start of lockdown, that just seems foolish. I'll wait and see if anything new comes to the market which I doubt will happen until things start going back to normal and then we need to decide if we take the risk and list our house without knowing if anything suitable for us is going to crop up.

The thing I'm most disappointed about is the house that kick started this all. It was absolutely perfect and we'd have bought it in a heartbeat but we hadn't been seriously considering moving at that point and by the time we'd got our house valued, got a mortgage agreement in principle and spoken to the estate agent to explore listing our house, that house had sold in less than a week :'( If we don't preemptively list our house then that could happen again but we've been looking at every house in our area that's been listed in the last three years and there's only been two or three we'd seriously consider ?:|


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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 0:36 
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It took us ages to move, partially because we got ahead of ourselves a few times (ie we saw something we liked before we'd got our finances lined up) and also because it was tricky to find somewhere that we both liked, and was a clear improvement on the previous place, and was affordable.

Eventually something worked out and I was able to 'retcon' it as us biding our time for the right place rather than us being disorganised and/or indecisive.

I suppose what I was going to try to say was something cheesy like 'there will be other houses that come along' but perhaps it's more a case of a sympathetic 'yeah we had a lot of back and forth too, missed out on a few good-uns... it happens'

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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 11:43 
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That’s how I’m trying to frame it. If it’s house sells before we can view it again then we just wait and see what else comes up and hope that there’s another wee flurry of properties coming to the market after lockdown and coming into summer. We’ll still need to decide if we list anyway and hope something comes up. And it will be harder for me to compromise on the garden in the summer - ours is south facing and a total sun trap.


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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 11:55 
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Now Christmas is out of the way people generally start thinking about Holidays, Home Improvement and Moving House so you should see a spike in new listings. Well, that's when there's not a Pandemic usually but I'll bet you'll still see an increase.

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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 12:22 
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My house moving industry friend says he's never been busier and he's doing lots of Scotland-England and vice versa.


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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 12:24 
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Can he move my house to Scotland please.

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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 12:25 
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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 12:34 
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Just swap with sdg.

Mods, you can close this thread now.

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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 12:50 
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Part of my problem is I’m being really fussy but I love my current house much :'(

We live in a wee fishing village so there are lots of lovely little houses on narrow streets that are entirely impractical and unsuitable for us and we don’t want to move outside walking/staggering distance to my in laws so even the next town or village over is too far - I’d rather stay here and wait until something came up here.

I’ll report back when I find something. Being able to drop houses into this area would be perfect, just found a great five bed outside Dundee!


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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 12:56 
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If you like your current house could you just do work on it like an extension or loft conversion instead?

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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 13:43 
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Sorry if I'm missing something, but if you think your house would sell quickly, could you not list it and then be in the position that the sellers want you to be in quite quickly?

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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 14:05 
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Zardoz wrote:
If you like your current house could you just do work on it like an extension or loft conversion instead?

I’ve looked at options for extensions and loft conversions but by the time we’d got the footprint we wanted we’d have spent as much as moving and we’d have lost too much of the garden, and that’s assuming a loft conversion solved the bedroom and home office situation.

Goddess Jasmine wrote:
Sorry if I'm missing something, but if you think your house would sell quickly, could you not list it and then be in the position that the sellers want you to be in quite quickly?


I don’t really want to list it at the start of lockdown in case it moves slower than it would otherwise. I’m happy to wait and if miss out on this house then so be it - they’ve still not bought anywhere so I don’t want to be rushing things through and then have to wait months anyway. It took me a few weeks to warm to the idea of the house that available right now so I’m happy to sit back and see what happens then list when lockdown is over.


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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 15:09 
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Fair enough. Sounds like you've made your decision then. :)

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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 15:34 
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I don’t know if I have or not :'(

Should I wait to see if the right property comes up, like the one we missed? At the top end of our budget but in walk in condition with all the bedrooms, home office, and large social space we want plus a fabulous garden and separate studio space.

Or, do we buy something like the one we’ve seen that has a great upstairs with four bedrooms and a home office and a big living room but not the big kitchen we’d want so we’d be planning to extend at some point and it’s a north facing garden that’s not much bigger than what we have now. It does have a garden room though which could potentially be a studio space.


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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 16:37 
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Sounds like the garden is a biggie, understandably so with the two little ones. The first one sounds great. Don't think the second one is the right fit as although you could do work to make it your own you can't shift the garden and ideally you don't want to be making it smaller by having to extend on it. You'll know when its the right one.

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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 16:48 
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Zardoz wrote:
Sounds like the garden is a biggie, understandably so with the two little ones. The first one sounds great. Don't think the second one is the right fit as although you could do work to make it your own you can't shift the garden and ideally you don't want to be making it smaller by having to extend on it. You'll know when its the right one.

:this:

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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 16:53 
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I think you’re probably right.


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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 17:11 
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Like in the Apple thread? :P

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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 22:22 
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:DD
I got her a graphics tablet by the way. She loves it!


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 Post subject: Re: House Buying Advice
PostPosted: Fri Jan 08, 2021 22:51 
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Giphy "thumbs up":
https://media1.giphy.com/media/S1Ap7GTcjToZy/giphy-loop.mp4

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