Forum | First Time Buyer - Advice. by Swailsey

Forum index | Previous Thread | Next thread

First Time Buyer - Advice. 22:12 - Jun 27 with 3381 views

Hey TWTD-hivemind,

You’ve probably gathered that I worry and overthink EVERYTHING, but I think this sort of thing is justified in this instance!

I have rented for the last 12 years but in a month or two will be in a position to seriously start looking for a house to buy with my partner. I also appreciate this last year has been hell for a lot of people, so I’m sorry if this seems tone deaf.

We looked into it a few years ago, but not really in any meaningful way.

I feel a bit of over my head, am worried about getting it wrong, about missing something and also literally where to start. Do I get a mortgage advisor? Do I do some soft-applications online?

I find talking to someone in person much easier and am also terrified of getting it wrong, subsidence, damp, surveys, missing things etc.

If anyone fancies reaching out or give some high-level advise about where to start, that would be great. I’ve disappeared down a Google wormhole and feel worse!

Thank you.

Who said: "Colin Healy made Cesc Fabregas look like Colin Healy"? | We miss you TLA

First Time Buyer - Advice. on 10:21 - Jun 28 with 359 views

chicoazul

Don’t buy a house near a pub with a flat roof, a bus stop, or with an alleyway right next door.

	In the spirit of reconciliation and happiness at the end of the Banter Era (RIP) and as a result of promotion I have cleared out my ignore list. Look forwards to reading your posts!
Poll:	With Evans taking 65% in Huddersfield, is the Banter Era over?

First Time Buyer - Advice. on 10:24 - Jun 28 with 349 views

gordon

Watch out for small issues like doors not hung well, skirting boards badly fitted, poor tiling floorboards not sitting flush etc (or whatever it is) - when you see stuff like that in a house you really want, it's easy to tell yourself that it's just a small detail and not important - but usually small things not quite right gives away the fact that there are more serious problems.

[Post edited 28 Jun 2021 10:25]

First Time Buyer - Advice. on 13:03 - Jun 28 with 306 views

Ryorry

First Time Buyer - Advice. on 09:19 - Jun 28 by ElephantintheRoom

You can spend a loty of money buying a house on things you dont actually need. Top of that list for me would be a mortgage adviser - and a solicitor.

However you DO need to know how much you can afford - if you are financially sound go direct to a mortgage provider and have an outline meeting on what you can borrow - you can always go elsewhere. Or apply on line.

Never, ever use a solicitor - if you dont want to do conveyancing yourself - use one of the myriad of on-line conveyancing companies, some of which are local - and get a quote first.

Other than that - its common sense - location - and houses appear 'cheap' for a reason. Be very careful about starting in a terraced house. In my day your only worry was a tradesman with a van parking in front of your house. Nowadays people can get quite violent about parking. Might be a good idea to see who your neighbours are before you commit.

When house/flat-hunting, I used to drive round or sit parked up in the street at key times like Sat nights to see what problems might be in the offing!


Poll:	Town's most cultured left foot ever?

Forum index | Previous Thread | Next thread