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Chance of a lifetime or too good to be true? Notting Hill, London flat.

165 replies

Springingintolife · 26/04/2024 18:04

Sorry, long one, but trying not to drip-feed.

I'm on homeswapper and have been a while as I feel very cut off where I live due to not driving, having an illness (fibromyalgia and hypermobility) and not being close to the bus stops to just nip about and do things with my nearly 5 year old daughter.

What I have is a 2 bed semi with front and back garden and a drive in a semi rural area on the outskirts of a large town in the south east. Ten minutes drive from the beach and can get into London within an hour. I feel you have to have quite a bit of money here to have a good quality of life with a child, as everything has entry fees and needs driving to, or takes quite a while on public transport.

That's the reason I've been on homeswapper. I have looked at some places and talked to people about swaps before but they haven't worked out for various reasons. I've never pulled out on anyone- apart from one flat which was splashed on the front page of a local paper for having serious mould issues, just after the swap was approved.

Someone has contacted me with a one bedroom ground floor flat in a very very posh road next to Notting Hill, with a private garden, and I'm having a think about whether this would be the change I would need. The reason they want to move is they don't have RTB and they want to buy somewhere. (Let's leave the RTB debate out of this conversation please!). I have RTB but as I'm not able to work full time at the moment, it wouldn't be something I could make the most of.

Positives about the swap- I grew up on the other side of London so it's familiar. Has a garden still. Smaller flat so less cleaning and maintenance. They seem to think the tenancy gives the right to do work to the flat and thinks the living room could be converted to two bedrooms, so potential future bedroom issues may not be an issue. Free public transport for children. Free museums so things to do at the weekend. Lovely parks with paddling pools in London. My brother lives on the other side of London and is expecting a child with his DP so closer to a cousin for my DD and could afford to visit regularly. Get to be in an affluent area so if I wanted to do some part time work like tutoring or cleaning, I could charge a decent amount. Might meet rich handsome man. Can access universities if I decide to go back to studying one day. More going on. More inspiring area to keep me motivated and improve mental/physical health on nice walks. Always somewhere new to see. DD is mixed race so would be in a more diverse area.

Negatives- losing the RTB but potentially could swap again when DD is a teenager. Losing a bedroom and would need to do work in the future to create an extra space and can't guarantee I would be earning enough to fund it. Flat doesn't have double glazing so might be colder in the winter and cost more to heat. Although I looked online and has same energy rating as mine. Potentially smaller space to heat. Person said they would take everything with them including the oak flooring, so I'd have to move in with potentially a concrete floor and put carpet onto a credit card, although cost of this would be offset by not having to buy a car and learn to drive more imminently. Housing association don't have great reviews online for repairs, but looks like person has spent a lot of money installing new things into the property. (Apart from the oak floor, which they say they're taking). Possibly having noisy neighbours above us. Although I already have a shouty next door neighbour anyway. We lose the beach, but it's cold most of the year anyway. We lose the countryside, but I don't manage to get out and about in it enough anyway.

However, I don't know about the area these days, as I left London years ago and I hear it's changed a lot, so I wanted some honest mumsnet experience.

OP posts:
Springingintolife · 26/04/2024 18:39

Home1mprov3ments · 26/04/2024 18:33

Cost of living in central London is likely to be way higher than where you are now.

Main costs at the moment is transport and activities. Loads of free stuff in London, like all the museums. Transport where I am is quite expensive. £12 to go on a train 20 minutes here, £9 for a day bus pass. Will have to pay for DD when she turns 5 whereas it's free for her in London. Swimming down here around £15 for the two of us, soft play £8. Will just be nice to be able to cycle around the parks and see nice things. Where we are now we can't even walk to anywhere or do a bike ride as it's all busy main roads with narrow pavements, to get anywhere.

OP posts:
NeatCompactSleeper · 26/04/2024 18:40

Springingintolife · 26/04/2024 18:32

Yes, but I'd be on the other side of it. I'm one of the destitute, living on one of the lowest family incomes in the country, so I wouldn't mind looking at the rich from my side of the coin.

Crack on then but rough sleepers pitched up in shop doorways, yards from cars that are worth more than a lot of homes, turned their stomachs.

And they couldn't afford to buy from their local charity shops most of the time.

Gonnagetgoingreturnsagain · 26/04/2024 18:42

If you can factor in all the other expenses of living in London I’d probably do it.

Notting Hill and surrounding areas are very diverse but in a good way. I’ve known people who’ve lived there and during the carnival they said it didn’t really bother them that much as they either embraced it and danced on their balconies or went away to avoid it. I’m sure the last couple I knew rented out their flat on air b n b to carnival goers or did a flat swap on that weekend.

My evil uncle by marriage not blood relation) bought a small flat there after his divorce and I sort of avoid the area now but the area used to be my playground all through my 20s.

TwattyMcFuckFace · 26/04/2024 18:43

Mercury2702 · 26/04/2024 18:39

Will both your housing providers allow you to effectively make yourself overcrowded in their eyes? My council wouldn’t, regardless of if your daughter is happier to sleep with you

It's a firm no from housing where I live (also London), because as you say, they don't allow you to make yourself overcrowded/under accommodated.

MumMumMumMumMumMumMum · 26/04/2024 18:45

I would not be taking the tenants word for what is possible to do to the flat in terms of putting up walls (I doubt she's right). Likely she's saying anything to get you in. I wouldn't be moving to such an expensive area, I can't believe you'll be able to do more for your money than you are now. No way I'd move to one bedroom with a child.

Springingintolife · 26/04/2024 18:45

Mercury2702 · 26/04/2024 18:39

Will both your housing providers allow you to effectively make yourself overcrowded in their eyes? My council wouldn’t, regardless of if your daughter is happier to sleep with you

I'd have to find out. I asked the woman about three times about that, but she wasn't very good at listening over the phone and didn't want to talk much- said she'd rather I see it. She just kept reiterating that the property allowed for rooms to be converted and that it's a two person home.

OP posts:
Springingintolife · 26/04/2024 18:46

NeatCompactSleeper · 26/04/2024 18:40

Crack on then but rough sleepers pitched up in shop doorways, yards from cars that are worth more than a lot of homes, turned their stomachs.

And they couldn't afford to buy from their local charity shops most of the time.

We have rough sleepers where I live too.

OP posts:
QueenAnn · 26/04/2024 18:47

It sounds wonderful. As long as you can definitely change it to 2 bedroom in the future, then I'd go for it. I'm shocked she's taking the floor. Can you offer to pay something reasonable to get her to leave it?

TheOnlyLivingBoyInNewCross · 26/04/2024 18:47

I mean, your DD may sleep with you at present but that’s not going to last long, is it? what would the plan be if you aren’t allowed to convert the living room?

Springingintolife · 26/04/2024 18:48

GoldenTrout · 26/04/2024 18:34

Surely ripping up the floor is going to leave quite a mess? Is the tenant even allowed to do that?

I'm not sure. Problem is, that when you do a swap you agree when you sign for it that you 'take it as seen', which means whichever condition it is in when you arrive, is how you take it. So even if they told her she couldn't rip the floors up, she probably would do it anyway, as they aren't going to kick her out of my place by then, and she would be under a new landlord. But at least she's being honest rather than saying she'd keep the oak floors in, then I turn up to concrete.

OP posts:
Mercury2702 · 26/04/2024 18:48

Springingintolife · 26/04/2024 18:45

I'd have to find out. I asked the woman about three times about that, but she wasn't very good at listening over the phone and didn't want to talk much- said she'd rather I see it. She just kept reiterating that the property allowed for rooms to be converted and that it's a two person home.

I genuinely don’t think they will allow you to :(

Regardless of having to find mutual exchanges yourself, both providers have to agree that it meets both parties needs and eligibility and they can be very strict.

I have a wet room in my property and have no need for it but was granted this house but to exchange with anyone else by mutual exchange they would need disability eligibility for the wet room so I can’t just swap with anyone. Likewise I know of people that have been refused the exchange for underoccupying and over occupying and i don’t think they will allow you to due to your daughters age and policies which will state she needs her own room

Springingintolife · 26/04/2024 18:48

TheOnlyLivingBoyInNewCross · 26/04/2024 18:47

I mean, your DD may sleep with you at present but that’s not going to last long, is it? what would the plan be if you aren’t allowed to convert the living room?

I wouldn't take it, if I'm not allowed.

OP posts:
Springingintolife · 26/04/2024 18:49

Mercury2702 · 26/04/2024 18:48

I genuinely don’t think they will allow you to :(

Regardless of having to find mutual exchanges yourself, both providers have to agree that it meets both parties needs and eligibility and they can be very strict.

I have a wet room in my property and have no need for it but was granted this house but to exchange with anyone else by mutual exchange they would need disability eligibility for the wet room so I can’t just swap with anyone. Likewise I know of people that have been refused the exchange for underoccupying and over occupying and i don’t think they will allow you to due to your daughters age and policies which will state she needs her own room

I'll call them on Monday and ask.

OP posts:
Springingintolife · 26/04/2024 18:50

Vermin · 26/04/2024 18:34

Looking at them is all very well but the price of a cup of coffee, cinema ticket etc etc is all geared towards the very rich.

I can't afford those things anyway!

OP posts:
Kimmeridge · 26/04/2024 18:50

I wouldn't even consider it when it's only a one bedroom. Realistically your daughter isn't going to want to share with you for much longer. Too much uncertainty about whether it could be made in a 2 bed. I think all that'll be irrelevant because I can't imagine the housing association approving it

DrJoanAllenby · 26/04/2024 18:52

The move sounds like it's all going to be great and beneficial to YOU.

Your daughter not having her own bedroom regardless of her sleeping with you at night is utterly selfish of you to contemplate.

Imagine her talking to her friends at school and saying she doesn't have her own bedroom!

Awful, truly awful.

MrsPinkSky · 26/04/2024 18:52

I don't know of a single HA or council that's going to let you move in and start converting their property from one bedroom to two.

Plus how will you be able to afford to do that and sort the floor out, and whatever else she rips out?

NeatCompactSleeper · 26/04/2024 18:55

Springingintolife · 26/04/2024 18:50

I can't afford those things anyway!

you can't afford the price of a cup of coffee or a cinema ticket but you can afford to replace flooring/convert to two bed?

LolliesInTheSun · 26/04/2024 18:55

I would 100% without a thought do this. It’s a terrific area, with a real community spirit among the ‘not filthy rich’ folk. I’m jealous!

Springingintolife · 26/04/2024 18:56

DrJoanAllenby · 26/04/2024 18:52

The move sounds like it's all going to be great and beneficial to YOU.

Your daughter not having her own bedroom regardless of her sleeping with you at night is utterly selfish of you to contemplate.

Imagine her talking to her friends at school and saying she doesn't have her own bedroom!

Awful, truly awful.

She would have her own bedroom- the bedroom would be hers when she decided she wanted to have her own space. She's got SEN and needs a lot of help sleeping, so that may not be for a while.

I would get a sofa bed for the living room or if I was able to work more hours in the future, convert the living room- for me.

The garden is a good size, so also the possibility of building a cabin out there in the far off future, to make an extra day time space.

The move is for her, so I can take her more places without having to spend money that I don't have, and so I can improve both of our quality of lives.

OP posts:
Camdenish · 26/04/2024 18:56

I’d keep looking for something in London with a garden and the correct number of bedrooms.

Even with the full RTB on a London property tgere are some areas that you could never buy as it’s just too expensive. People in London get to retirement age and think about RTB on a cheaper property out of London.

I imagine if that’s their thought they’ll be planning it now. The last time Labour were in the discount on RTB became negligible.

Try other areas of London.

crimsonlake · 26/04/2024 18:57

I can see it sounds exciting and you need a change but it's a no from me also. As others have pointed out your daughter will eventually need her own room and space. You say you struggle financially so I do not see how you can cover the expense of the prospective work you think you might need to do. I would carry on looking, but good luck with whatever you decide.

RickyGervaislovesdogs · 26/04/2024 18:59

She’s taking the flooring? are you joking?
Does UC have bedroom rates? If there’s only 1 bed you’ll get that rate won’t you?

Your DD might be on with one bedroom now, but as she gets older and wants sleepovers etc? Where will you store everything?

Would it sell fast if you needed to sell?

Springingintolife · 26/04/2024 18:59

NeatCompactSleeper · 26/04/2024 18:55

you can't afford the price of a cup of coffee or a cinema ticket but you can afford to replace flooring/convert to two bed?

If you read properly I spoke about converting in the future, if I was able to start working full time. I also spoke about the area giving me the opportunity to work. Where I am now, there aren't even any shops to get some part time work in. I said I'd have to put a carpet onto a credit card, which I could transfer to zero interest balance transfer and pay off over the space of a few years. I don't drink coffee.

OP posts:
Revelatio · 26/04/2024 19:02

I would look at London, but not Notting Hill. It’s not a very nice area in my opinion, especially for a young family. It doesn’t sound ideal for your child at all. Where does your brother live, is there anything available around there?