Meet the Other Phone. Only the apps you allow.

Meet the Other Phone.
Only the apps you allow.

Buy now

Please or to access all these features

Chat

Join the discussion and chat with other Mumsnetters about everyday life, relationships and parenting.

moving wobble... from house to flat

69 replies

Bonitalazenia · 20/05/2021 19:36

I've lived in my Victorian terraced house since 1999... always been happy here, owned it on my own and met DH 10yrs later. Now got the opportunity to be mortgage-fee by moving from the house to a flat on the seafront....... it would be 'ours' but paid from the equity from my house.
We have also got a small apartment in spain which would also be mortgage free from the sale of victorian terrace....
Just worried about moving from a house to a flat...

OP posts:
MistySkiesAfterRain · 20/05/2021 19:47

Considerations are - do you have private outdoor space with the flat? Just a patio or a balcony can make a lot of difference. Is it light and airey. What is the seafront like? I.e. quiet or noisy with traffic, is it nice to walk? Do you want pets? But above all, it's storage. Flats usually have less storage. Been in mine 5 years and after about 3 I reached storage critical and been trying to declutter since, but in reality I am moving shit from 1 room to the next (Covid probably not helped). It moves you toward a more minimalist approach which isn't a bad thing, but might be tricky if you have lots of hobby stuff, sports things, want a second freezer, but if you are handy and sort proper storage at the start its okay.

Worst case scenario- you have a few fabulous years by the sea then decide to move.

Bonitalazenia · 20/05/2021 20:28

Thanks Mistyskies!!! The square footage of the flat is actually bigger than this house!
And the flat has a balcony! not huge but gets the afternoon sun

OP posts:
carlywurly · 20/05/2021 20:40

Oh go for it. I'd happily do it and I'm in a 5 bed house. I fantasise about a lower maintenance apartment. Sounds ideal.

Moonshine11 · 20/05/2021 20:42

Sounds amazing, always want to end up being on the sea front!

Snakeprint · 20/05/2021 20:46

Have you got a garden now? If so would you miss it? Do you have or want pets? Have you considered the noise from other flat? I recently stayed in one and could hear upstairs shaggingBlush

ClarasZoo · 20/05/2021 20:48

I would never swap a house for a flat. Service charge, noise, repairs not in your control...

BernadetteRostankowskiWolowitz · 20/05/2021 20:51

Do it. I grew up in Victorian conversion flats, and have raised my DC in them too. Our upstairs maisonette flat is enormous. Great location, cheaper than a full house but bigger.

BernadetteRostankowskiWolowitz · 20/05/2021 20:52

@ClarasZoo

I would never swap a house for a flat. Service charge, noise, repairs not in your control...
The only one of those which I consider in my flat is noise. No communal management fees or service charges, no communal repairs. Downstairs cover drainage repairs, upstairs cover roofing repairs.
BewareTheBeardedDragon · 20/05/2021 21:47

I'd be surprised if that set up re. repairs was not very very unusual bernadette
Ime all flats within a building will be responsible for repairs regardless of whether there's a service charge or not, and where there is not service charge this will mean there is also no reserve account to cover or partly cover a sudden repair bill.
Not saying this to necessarily put OP the flat option - just that these are certainly things to consider a d investigate very thoroughly before committing.

itwa · 20/05/2021 21:51

I'm more concerned about the flat being 'ours' paid via your equity. Are you protecting it by the way you buy the flat?

Do you actually need/want to be mortgage free?

BernadetteRostankowskiWolowitz · 21/05/2021 07:17

I'd be surprised if that set up re. repairs was not very very unusual bernadette

It's very very typical of our area.

PurpleRainDancer · 21/05/2021 07:23

Has your DH made any financial input into the properties OP? You mention the fact that the equity comes from ‘your’ house, is it an issue for you?

ApplePie86 · 21/05/2021 07:32

I currently live in a flat and it's the most horrific thing ever. I have someone above me (owner occupier) who plays music at a level I can hear in my property but no longer loud enough that I can go down antisocial behavior route. The people across from him are a couple with 2 children. They smoke outside but the smell drifts into the stair from their clothes. Their children bang against stair railings when coming up the stairs.

My next move will be a detached house in an area primarily lived in by retired old people.

You could be lucky and building could be well insulated for sound etc but 1 horrible neighbour could ruin your home.

Bonitalazenia · 21/05/2021 07:46

Thanks, I’ve thought about noise issues but it’s a large development built by the local authority so I’m assuming it’s well insulated. The ground rent and fees are rather high so that tends to put off young families and it seems to be more mature people who live there. I’m being seduced by the sea views and cafe culture. I think I can live without my garden, I only have to step out the door and I’m on the promenade / beach. Our wills stipulate that the property will eventually be left to my son as DH and I don’t have children together.

OP posts:
CeibaTree · 21/05/2021 07:51

We used to live in an ex local authority block and the sounds from the flat beneath us were pretty loud so don't assume anything about noise where flats are concerned! I personally wouldn't move back to a flat from a house, but if you think it will suit your lifestyle long-term..

Funnyface1 · 21/05/2021 07:51

I never could do it but I can see the temptations so I'd think through each point very carefully.

Roselilly36 · 21/05/2021 08:02

It’s a big change, so you are right to consider it carefully. Is the flat nearby? What are you main concerns OP, write a list of pros & cons, to help you decide. I get the financial aspect, but if you moved somewhere and had money in the bank & a mortgage free home, but didn’t like it and felt miserable & regretted the move, the financial gain will not make you happy. Good luck with whatever you decide.

ClarasZoo · 21/05/2021 17:40

@Bonitalazenia

Thanks, I’ve thought about noise issues but it’s a large development built by the local authority so I’m assuming it’s well insulated. The ground rent and fees are rather high so that tends to put off young families and it seems to be more mature people who live there. I’m being seduced by the sea views and cafe culture. I think I can live without my garden, I only have to step out the door and I’m on the promenade / beach. Our wills stipulate that the property will eventually be left to my son as DH and I don’t have children together.
A large development built by the local authority is just the sort of building to have very very large occasional one-off service charges. Only a problem for private owners, not any council tenants.
MistySkiesAfterRain · 21/05/2021 17:46

Back again. I regularly look at beach front flats on Right Move. I live in one now so why not by the sea.

Only reason I didn't mention noise is I am 3rd Floor. No one above is ideal and also that flats are well constructed. My next door neighbour had a 6 month baby before I bumped into her and realised she had even been pregnant.

Also you can't get a mini trampoline 😂Possibly avoid a running treadmill too.

Neighbours who smoke...one beneath me does and smell pisses me right off, but they don't smoke all the time, and its habitual e.g. late at night. The smell though...but you could have a neighbour anywhere who smoked in their garden.

Owners tend to be quieter than renters its true.

I've looked at fees of the type of flats you mean and they are high, as much as double my current fees, and as I'm mortgaged that put me off. In mine the servicing the boiler is included. Look into the terms closely, when/how much can increase. Mine varies by c20% but they tell me in January before the change in April. Other flats charge less a year but if special work needs doing thats extra. I prefer a nicely maintained building to be honest as it prevents deterioration.

If it were me I'd also consider being back from the sea, oblique sea views, which can be cheaper and provide decent private outdoor space while being a stones throw from the beach.

Can you personalise the balcony, is their decent space for pots, is their room for guests to stay. Where is the nearest green space, as you will want this too.

If you are serious I'd consider finding and air bnb seafront flat for a week. Have a holiday, see if you love it and want to do it / be there everyday.

Bonitalazenia · 21/05/2021 18:15

I know the area very well and the house we are currently in is in the next town. It’s a side- sea view... the front ones can be £100k more. The fees include heating and hot water. The grounds at the front are well maintained. Allocated parking which is a bonus as parking is tricky on my road. It’s 2 bedrooms plus dining room. Balcony isn’t huge but could fit a small table and 2 chairs. I’d put some twinkly lights on the railing.

OP posts:
Bonitalazenia · 21/05/2021 18:16

This is the one below.

moving wobble... from house to flat
OP posts:
AtLeastThreeDrinks · 21/05/2021 18:37

I love our flat, no garden to maintain is perfect for us. It’d be 100x better with a balcony though! And to be able to step out onto the beach sounds perfect. Seems like a no-brainer to be mortgage-free.

Are you wobbling about house to flat or more the move in general? You’ve been in your current place for more than 20 years, it’s a big change wherever you go.

Bonitalazenia · 21/05/2021 18:53

I think its the thought of house to flat, and we would never get back to this area... but then why would we want to? Our offer has been accepted and things are in motion. We did a lot of soul-searching and pros and cons lists. I'm excited and nervous, it'll be an adventure! An acquaintance of mine lives there so I messaged her for her opinion, she said they moved there as a stop-gap 6 years ago and never left as they love it, so that's reassuring! The other thing is that the mortgage on the house would be finished in 7 years but the fees on the flat go on forever.

OP posts:
DontDrinkDontSmokeWhatDoIDo · 21/05/2021 19:02

What's the situation with your partner, OP?

Will you be joint owners of the new place?

Bonitalazenia · 21/05/2021 19:15

Yes we will be joint owners. We have been married for 12 years.

OP posts: