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What would you do if the only houses you can afford are in "bad" areas? Buy or wait?

55 replies

Lostfirsttimebuyer · 17/02/2025 14:15

I am 30 and have started househunting around Leeds for my first home.

My issue is that I recently moved to Leeds for my dream job and I have realised over the last few months of househunting that the only houses within my £240k budget are all in “rough” areas, that I keep being warned off living in. I had hoped that people were being overdramatic, but I have visited these areas on house viewings and haven’t felt like I would feel safe as a woman living alone.

My background:

  • Buying on my own. I earn 50k. Single. No kids.
  • My budget is approx £240k (I have £25k for a deposit, an extra £10k for solicitors & moving expenses and a £215k mortgage in principle).

My non-negotiables:

  • I cannot drive for medical reasons, so need to live in a place within train/walk/bus of Leeds city centre.
  • I don’t want to buy a flat (I have concerns about leasehold properties with their unregulated potential for service charges to soar and the difficulty of reselling leaseholds - I would not be happy to be a landlord if the flat was unable to sell, so don’t want to risk getting into that position)
  • I don’t want to move outside of Yorkshire or change my job because I moved to Yorkshire specifically for this dream job - I have spent my entire career working my way up to get this job!

What would you do if you were me?
A. Buy a house in a bad area and grit my teeth through feeling unsafe for 5 years until I build up enough equity to buy in a nicer area (or meet a partner I suppose).

B. Keep renting and wait a few years to have a slightly bigger budget.
However, I am not convinced that my salary or savings will increase in line with house prices. There is potential for a promotion from £50k now to £65k in 3 years time and then potential for a further promotion 3 years after that. I could also probably save an extra £30k over the next 3 years. So that means I’d potentially be able to borrow £60k more due to that increase in salary, and have extra £30k on my deposit- so my budget would maybe stretch to £330k in 3 years time. But £330k is the price of the houses in not-rough areas at the moment! In 3 years time, those houses will have risen in price won’t they and I will still be priced out of them, and in the same situation but 3 years later, won’t I?

C. Wait to find a partner who will buy with me?
Seems a bit Disney princess to pin my living situation on waiting for a partner to come along, but yet sometimes I think if I just had a partner right now, we could have a £500k budget and not have to worry about all of this. But of course I have no real control in when a partner may come along and that could take years.

D. Continue to attempt to try and find a house in an area that isn’t rough, that perhaps is cheaper due to a long commute to Leeds?
It would need to still be commutable by train though as I cannot drive for medical reasons, and so I am really struggling to find anywhere and I am not sure if this is a dead end.
(If you’re from around West Yorkshire, ideas of places? Harehills, Seacroft, Beeston, Holbeck, Chapeltown are all places I haven't felt safe in and have been warned off. I’ve looked at houses in Headingley, Hyde Park Meanwood, but have heard so many stories of burglaries - I think I might have felt safe as a student in a house of 5, but don’t feel safe as a woman living alone. I have heard people say Garsforth and Woodlesford as places that are cheaper than Leeds itself, commutable by train and nice, but I am struggling to find more than 1 house in my budget there.)

E. Something I haven’t thought of?

OP posts:
Iamallowedtodisagreewithyou · 17/02/2025 14:48

User543211 · 17/02/2025 14:28

Find somewhere that needs a bit of work.

In my experience these tend to go for the same price as the ones that don't need any work. Usually by someone good at DIY or with building contacts.

GardenGladness23 · 17/02/2025 14:48

Apperley lovely I lived 5 mins from there - very quiet / small not much going on though.

Baildon is another good shout.

TimeForATerf · 17/02/2025 14:49

This is the area DD bought in, this one has sold but they come up fairly regularly around here:

https://www.rightmove.co.uk/properties/157868468#/?channel=RES_BUY

It is very much an OK area on the cusp of some very nice areas with some great things to do on the doorstep.

Interested in this thread?

Then you might like threads about this subject:

Summerhillsquare · 17/02/2025 14:49

Friendlynortherner · 17/02/2025 14:46

This isn't true - Saltaire is full of chi-chi cafes, populated with academics and the like.

I said Castleford.

Saltaire 😆

Dueanamechange2025 · 17/02/2025 14:51

Have a look at South Leeds, Morley & Churwell both have stations to Leeds in less than 10 mins. Houses in that price range.

https://www.rightmove.co.uk/properties/154512563#/?channel=RES_BUY

https://www.rightmove.co.uk/properties/140296520#/?channel=RES_BUY

Friendlynortherner · 17/02/2025 14:53

Summerhillsquare · 17/02/2025 14:49

I said Castleford.

Saltaire 😆

No, you said that the areas she would want - white and wealthy was what you said - were by definition unaffordable. Then you mentioned Castleford, which is cheap, but doesn't have chi-chi cafes.
Saltaire is cheap, but very middle class. (Also quite white, if that matters to you.). And full of chi-chi cafes and bars.
But also, which the OP did ask about, as opposed to the things she didn't, close to leeds and very safe.

DeepFatFried · 17/02/2025 15:05

https://www.rightmove.co.uk/properties/157891361#/?channel=RES_BUY

https://www.rightmove.co.uk/properties/157489160#/?channel=RES_BUY

My friend used to live in Meanwood, and I visited to stay, often. Seemed a perfectly normal family sort of area, not rough unsafe or dangerous, Meanwood Park is lovely , I used to get the bus in and out of Leeds city centre very easily.

Miaowzabella · 17/02/2025 15:14

Is buying with a friend an option?

CraneBeak · 17/02/2025 15:14

In your position, I would reduce my solicitor and expenses budget to 5k, freeing up an extra 5k for your deposit. Then I would look to get a mortgage with an 8% deposit. The terms would be less favourable and the mortgage longer, but doing all of the above will put you in a position to look at 250k or perhaps even the 260k market.

For context, I earn about what you do and am in the process of buying a 260k property on an 18k deposit

Bjorkdidit · 17/02/2025 15:18

DeepFatFried · 17/02/2025 15:05

https://www.rightmove.co.uk/properties/157891361#/?channel=RES_BUY

https://www.rightmove.co.uk/properties/157489160#/?channel=RES_BUY

My friend used to live in Meanwood, and I visited to stay, often. Seemed a perfectly normal family sort of area, not rough unsafe or dangerous, Meanwood Park is lovely , I used to get the bus in and out of Leeds city centre very easily.

Meanwood has a Waitrose, they don't tend to set up shop in downmarket areas.

It's also worth pointing out OP that burglaries also happen in naice MN approved areas too because burglars have transport and know that people who live in these areas have more money and more expensive things.

I know lots of people who live in the areas of Leeds that you can't afford that have been burgled, so housing yourself amongst the affluent is not protection against being a victim of crime.

RedRosie · 17/02/2025 15:20

I don't know anything about Leeds (I'm in London). But you are entitled to want to feel safe where you live, especially if you are single. I'd listen to the people above who do know the area for tips.

It is good advice to look at perhaps a less desirable property (needing work, or with some other disadvantage in comparison with neighbours), but that is still in the best area you can afford. I've done this in the past (a flat in a lovely block/great area but with a less than desirable "outlook") and really benefited from living there. I wouldn't write off flats personally, but London is a bit different that way.

GardenGladness23 · 17/02/2025 15:20

I think you may have been looking in the wrong areas / not hard enough. Wondered about Horsforth how have you not looked there!??regular buses and trains into city cente. Great suburb of Leeds, lots going on - lots independent bars and restaurants and coffeeshops, I lived in a village between there and Apperley and went out in Horsforth a lot, some crackers in your budget

https://www.rightmove.co.uk/properties/158175173#/?channel=RES_BUY

https://www.rightmove.co.uk/properties/157462100#/?channel=RES_BUY

https://www.rightmove.co.uk/properties/151307975#/?channel=RES_BUY

https://www.rightmove.co.uk/properties/152031008#/?channel=RES_BUY

RosesAndHellebores · 17/02/2025 15:23

https://www.rightmove.co.uk/property-for-sale/Upper-Armley.html

Here you go - very close to central Leeds. Safe area.

theboffinsarecoming · 17/02/2025 15:24

Buy the worst house in a reasonable area and do it up. Then sell it.

DeepFatFried · 17/02/2025 15:25

Bjorkdidit · 17/02/2025 15:18

Meanwood has a Waitrose, they don't tend to set up shop in downmarket areas.

It's also worth pointing out OP that burglaries also happen in naice MN approved areas too because burglars have transport and know that people who live in these areas have more money and more expensive things.

I know lots of people who live in the areas of Leeds that you can't afford that have been burgled, so housing yourself amongst the affluent is not protection against being a victim of crime.

Indeed… and in the 2 Meanwood properties I listed you could afford a burglar alarm contract!

cestlavielife · 17/02/2025 15:29

Buy a smaller place in the nice area or one in need of decorating and new kitchen and bathroom
Location location location
Apply to go on the programme!!

ScribblingPixie · 17/02/2025 15:29

I would either:
look for an 'ugly' and cheap house in a good area that can be improved
look for a freehold/share of freehold flat in a good area so that has a share of the freehold so I'm in control of my bills.

SoftPlaySaturdays · 17/02/2025 15:31

Meanwood is nice! They have a Waitrose and a gluten free cafe and everything!

Joking aside, a female relative has lived alone there for years and I've not heard about any problems with crime.

Lostfirsttimebuyer · 17/02/2025 16:33

Hi everyone!
Sounds like the general consensus so far is number 4 - look harder for commutable houses. Certainly no one saying wait for a partner, and no one is saying wait and buy in a few years. Some people saying that perhaps "bad" areas are not as bad as I think, but it seems many more of you are saying not to do that and to look harder for a good area. Thank you so much

I know the old adage about buying the worst house in the nicest area well, but my concerns when i put this post up was that "what's the next step when the worst house is the nicest area is out of your budget". And you guys have given me some great answers - you've found me some nicest areas that I hadn't quite realised were workable for me in terms of commuting.

To answer a couple questions,
@Bluevelvetsofa no I am not looking for anything big, ideally a 2 bed, but I would be very happy in a 1 bed with no garden as long as I felt safe there. And hey I don't need parking! I hadn't also considered about resale value in a nondesirable area, thank you, but also thank you @CanOfMangoTango for giving me the other perspective. I am finding it tricky when I go on house viewings, see a perfectly nice house, see a bit of a dodgy street and then ask my colleagues at work who always seem to have 3 anecdotes of people who got burgled on that street and another who got mugged and how they would never live there. So I am trying to not be judgemental, but then when other people are, it is tricky for me to separate fact from snobbery. Especially when I know deep in my heart, that I also wouldn't have felt at ease walking back from the train station in those areas at night.

@User543211 I would be happy to buy somewhere in a nice area than needed doing up as a few people said, but as per @Iamallowedtodisagreewithyou, those are go for quite a bit of money too, when they're in Leeds!
I don't have any friends in the area to buy with, no. @Miaowzabella but would have been a great solution to the lack of partner if I did have one! I wish I could move my brother up here and buy with him!

@AllTheChaos I was a lodger before myself and had some bad experiences with it, so I'm not sure I would do a lodger - I'd rather have somewhere smaller/cheaper than I could afford on my own, but that is a great thought in terms of making me feel safer, so I will have a think about that. Good to hear of other people making a long commute without driving work too, thank you!

@GardenGladness23 Roundhay is gorgeous and I would love to live there if it were in my budget! Meanwood is one of the places that I had been considering as it was the one out of all of the places I've said that I've been warned off that I felt the most okay in. A couple people said things to me however like "Meanwood's not too bad a choice! I never got burgled whilst living there - they tended to go for my neighbours because they were so visibly students, so you'll be fine!" and I found that a bit unnerving, as I don't like the idea of the only protection against burglary being whether or not a potential burglar thinks I look a student!
I have since this thread had my eyes opened to Outwood, but didn't know Sandal - thank you. I will look at Baidon too.

And a couple of people have brought up Meanwood's Waitrose hahaha - the side of Meanwood that I am able to afford is the side of Meanwood that made me not feel 100% safe - the side with the bars over the front doors and windows. I know it's "up and coming" etc, but it just doesn't change that I viewed a house that I loved there, but yet felt relieved when the seller changed their mind about selling it because of my buried deep concerns about the street it was on.

@Dueanamechange2025 A pair of great houses, thank you. Colleagues had been telling me to avoid Morley, which is why I hadn't been there - are their thoughts not justified then? Because then I could add Morley back on my list.

@Dmsandfloatydress Fingers crossed on the partner in a 5 years time for me haha!

I had initially focussed my search on houses within boroughs of Leeds itself, as being unable to drive, it is hard to truly understand which places are genuinely commutable by public transport and which aren't (e.g. I have been looking on Google Maps in West Yorkshire close to a train station, without knowing so easily about the places you have suggested that have good bus links for example). I had more recently started looking more at further away towns but had still found them out of budget, which is why I was feeling like maybe I was making the wrong moves and wondering whether I should stop looking. When I talk to colleagues, people do always seem to suggest places that are North of Leeds which are all out of my budget, so it has been really very helpful to hear your suggestions for the South of Leeds.
I certainly have missed some of those towns that are South of Leeds that some of you suggested - some really gorgeous links have been sent.

I have looked hard but I agree I have been looking in the wrong places (focussing on trying find somewhere affordable in a Leeds borough) rather than finding the commutable but affordable towns outside @Bjorkdidit so thank you - I know where to focus now. And that Lofthouse house is gorgeous. I do know that burglaries happen everywhere, but I want it to be something that I am not think about everyday (just like other bad luck events that could happen to any of us that we just don't worry about it daily) - and I would worry about it a lot more if both my neighbours on each side had been burgled (as had been the case at one of the houses I viewed!)
I think you and this thread have made me realise is that I am looking for the kind of place where i grew up - I grew up in a house in an area amongst a lot of retired people in small bungalows so it was quiet, not rough but also not big mansions, suburbia. I need to get out of the city don't I!

@Friendlynortherner you have hugely sold me on Saltaire - I have been before and liked it, but thought it was all posh flats on the market, hadn't thought of it in terms on housing and I can see that there are some on Rightmove in my budget like the one you sent, so thank you ever so much - probably, currently my favourite area of the suggestions.

@TimeForATerf that is the exact area I had been keen on but every time I have looked there, every thing had been entirely out of budget - I wonder if her house is probably worth much more than that 220-230 now.

@qwertyasdfgzxcv A good question but with my list of restrictions (commutable by train to Leeds city centre, house not a flat, under £240k - I don't think I am allowed to be fussy on where I want to live, so I would go anywhere that fit those requirements!)

@Summerhillsquare I do understand - I am not asking for chi chi bars and cafes. As someone who will always have to walk home from the train station in the dark rather than be able to park outside my house, it is important to me to not feel scared as I'm walking every night. I'm not asking for white and wealthy. We all have priorities or desirables when we look for a house - some people's priority is a garden, some people's is a designated parking spot, some people's is separate kitchen and dining room - those are not my priority - mine is to live on streets that I don't feel scared on. I think it's okay for me to ask if that's achievable (and remember I was willing to do option A if everyone had said that was the only option for me!)
I didn't grow up wealthy, but I didn't grow up in an area where I felt scared to live, and I have realised as an adult, that I hugely appreciated that and that is important to me.

@CraneBeak Very helpful thank you - it is why I included my split of money in the OP, just in case anyone thought that perhaps I should increase my deposit slightly. a 260k property on 18k deposit sounds fantastic - I'm pleased for you. I will have to see if that is an option for me.

@RedRosie I would certainly be saving for a flat if I lived in London I agree, as it's a necessity really there, but here where I don't need to, I think it's not worth risking being unable to sell and being stuck with it. Thank you for your kind words.

OP posts:
mindutopia · 17/02/2025 16:39

We rented and saved so we could live in the area we wanted. We could afford to (back then!) rent houses we wouldn’t have been able to buy, so we did that. Finally bought our first house when I was 41, but had to move 2 hours away to an area where we could get the big lovely house we wanted in a beautiful area. Absolutely no regrets, it worked out well for us. We wouldn’t have moved here at 30. At 40+ it’s the perfect lifestyle and we are in a very financially comfortable position now.

DeepFatFried · 17/02/2025 16:50

What makes you feel scared on streets, OP?

Often busy streets are better than quiet streets. If your route has street lighting, normally wide pavements, no alleys, no high density gang-ridden estates then most areas are safe in a normal kind of way.

You do seem quite easily spooked.

Once you really find your feet in Leeds, make friends through work etc, will you really want to live a long way out? You are (presumably) young and single and want to make the best of it.

Maybe rent for a bit longer until you feel a bit more confident in the city?

DeepFatFried · 17/02/2025 16:54

WRT leaseholds : flats in old maisonettes or conversions in terraces are often just two flats with a share of freehold. Or older blocks with a few flats might be share of freehold and you all pay a management company between you, or do it yourselves. No external body charging you service charges etc.

Nourishinghandcream · 17/02/2025 17:10

An ago old problem.☹️

When I was a FTB (almost 40yrs ago, when I was single) there was no way I could afford to buy anywhere in my home area so I moved to a town 20-miles away and bought a run down ex-council house in a rough area.
With lots of help from my Ddad, we redecorated and made it a cosy little nest (I say cosy but there was no central heating, just gas heaters!). I never had any issues with antisocial behaviour etc and just 3yrs later, the value had risen slightly and promotion at work meant I was able to afford a much nicer house in a better area.

A means to an end and a step on the housing ladder.👍

WaryCrow · 17/02/2025 17:13

What I did do was move a very long way to a cheaper region, taking my skills, resourcefulness and work ethic with me. I’m not particularly appreciated or valued in that region, but at least I can afford to live. I was not staying as a slave in the other. Doubtless I’ll get ripped off again in the future. I hope inhabitants of my former region are enjoying having working neighbours replaced by drug dealers and other underworld types as it’s public sector services get worse whenever I hear anything.

It’s shit, op, we have nothing but shit choices, and it’s giving the country npthing but shit and shit choices. But they don’t want to listen and haven’t learned.

ophesa · 17/02/2025 17:19

We are in London so the market and safety of areas will be different, but when we were in a similar situation, we rented in flatshares (rather than renting a self-contained flat, to minimise rental costs) and then bought a flat. Leasehold was fine and it's completely normal as a ftb here, because most people can't afford a full house. But it depends a lot on the management company and the terms.

Another thing we did was invest outside of housing, so the next step of the ladder was easier because of investment gains rather than equity gains. But that took a lot of learning and risk, so it's not for everyone.