Just viewed a house :-/

[villa_tom]

Just spoke to the estate agents and I'm going to have another look this afternoon at 2.15 🙂

the pig estate agent is off this week aswell, so that's a bonus.

Ill have my mind made up later today :-!

 

[moogwai]

Where you looking at tom?

 

[Leo21]

Take your time, it's a big decision. Look at loads.

 

[villa_tom]

Where you looking at tom?

Four oaks mate. I know you don't get much for your money round there, but its a nice area and trouble free.

Im having a hard time explained to my mom and dad, that this is all ill get for 170k.

My mom and dad live by the hunters moon, which is nice enough, but its not what it was when I was younger.

 

[villa_tom]

Take your time, it's a big decision. Look at loads.

Im with you on this one. I'm definitely going to take my time. Got more viewing at different properties booked in for next week.

 

[moogwai]

Nice...would be nice if you could find a decent place for your budget round there....i dont think youll ever find a house you a completely happy with though mate..... You always need to put your own stamp on whatever you buy, so if you can look past what is at the houses you are looking at and try to see them when youve done it to your own taste it might be a little easier to decide which to go for.

Yeah used to be nice round the hunters....not anymore!!! Too many nutcases live near there now! What about round boldmere and sutton? Not too far from four oaks and some nice gaffs round there.

 

[villa_tom]

So, I viewed that house again.......twice.

I went with my mom and dad and they gave it the ok and my dad, who's a builder told me what could be done to improve/enlarge the property.

Ive been in a bidding war for two days with someone else and they've just offered asking price so I've backed out.

Its been crazy, but, and this isn't bitterness, whoever pays asking price in today's market is a fool or desperate.

I opened with a bid of £159,950 which was cheeky, but was actually considered by the seller so I was in all honesty a bit reluctant when I was increasing my offers.

Oh well, its off to look again. It's been a learning curve and there will be others houses so I'm not disheartened and I'm going to view another next week.

 

[SimonG]

They'll be back to you in a couple of days when the 'others' drop out 🙂

 

[villa_tom]

They'll be back to you in a couple of days when the 'others' drop out 🙂

And then my offer will be £159,950 again 🙂

 

[Leo21]

It might come back on the market, but you've done the right thing not paying the asking for it

 

[villa_tom]

It might come back on the market, but you've done the right thing not paying the asking for it

Id never pay the asking price mate. It needs a new kitchen, bathroom and general tidy up, got to be looking at 5-8k to get it to my standard.

 

[Whn1]

Id never pay the asking price mate. It needs a new kitchen, bathroom and general tidy up, got to be looking at 5-8k to get it to my standard.

I know a good plumber if you need one.

 

[Destroyer2813]

I know a good plumber if you need one.

And can get you some good prices on some Amazon stuff

 

[PlumbBobBob]

And can get you some good prices on some Amazon stuff

ouch!

 

[stevetheplumber]

i think its a gut instinct thing when you walk in to the right house youll know instantly the house weve been in for 25 years was clean and sparkling but decorated and furnished like an office building but we both walked out and instantly said yes we want that one and its been a great home for us

 

[Destroyer2813]

Did u put a offer in then tom?, how hard was it getting a mortgage being self employed

 

[villa_tom]

Did u put a offer in then tom?, how hard was it getting a mortgage being self employed

I offerer end a few times but got outbid. The other party offered asking price so I let left them to it. I wasn't going to offer over the odds.

Getting a mortgage was easy to be honest. You need a bigger deposit being SE, and you need 3 years worth of accounts too.

I used an advisor and she's great, so I told her my particulars and she did everything else 🙂

 

[Destroyer2813]

Cool in same position as you got meeting next thursday to get proper figure as to what can borrow

 

[villa_tom]

Cool in same position as you got meeting next thursday to get proper figure as to what can borrow

They based my mortgage only on my latest accounts (2012/2013). Some places take an average over the latest 3 years of trading, but the mortgage advisor found me a place that would base my mortgage on my latest accounts as long on my profit increased every year over last three years.

It has been one of the most confusing things I have ever done, but it'll be worth it in the end.

Ive currently been offered a mortgage of 140k repaid @ £606 a month, this is with a deposit of 30k, however if my deposit rises I can get larger mortgages at better rates.

As I'm being quite fussy with what I want, my deposit will increase, so the chances are that by the time I've found a property ill have a better mortgage on offer.

I haven't really paid much attention to all the figures lately as it literally gives me a headache.

But I know I am ready to move should the chance arise and I know I can currently look at properties up to 170k.

 

[on31ll]

They based my mortgage only on my latest accounts (2012/2013). Some places take an average over the latest 3 years of trading, but the mortgage advisor found me a place that would base my mortgage on my latest accounts as long on my profit increased every year over last three years.

It has been one of the most confusing things I have ever done, but it'll be worth it in the end.

Ive currently been offered a mortgage of 140k repaid @ £606 a month, this is with a deposit of 30k, however if my deposit rises I can get larger mortgages at better rates.

As I'm being quite fussy with what I want, my deposit will increase, so the chances are that by the time I've found a property ill have a better mortgage on offer.

I haven't really paid much attention to all the figures lately as it literally gives me a headache.

But I know I am ready to move should the chance arise and I know I can currently look at properties up to 170k.

my head hurts