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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

First time buyers

179 replies

Pickledonion24 · 26/02/2018 12:13

Have managed to save 200k between me and my partner. just feeling annoyed it won’t go anywhere really down south where I live

OP posts:
user1488204592 · 26/02/2018 12:56

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

ReasonableLlama · 26/02/2018 12:57

Is this going to be one of those threads where posters suggest options to the OP and the OP comes up with reasons why that won't work?

Pickledonion24 · 26/02/2018 12:58

We could get a small house needs to be near work with office space parking pref garage and a garden as I dog sit for my mum it’s not impossible but a house for that budget would need lots of work

OP posts:
Viviennemary · 26/02/2018 12:59

Can't really see the problem here. You could give it all to charity and rent. Bit odd that you've saved £200K but can only get a mortgage of £150K.

teaiseverything · 26/02/2018 13:00

OP, what are you actually asking seeing as you aren't taking anything we're saying on board?

Agreed @ReasonableLlama

ilovesooty · 26/02/2018 13:00

The deposit appears to be largely due to the OP 's recent inheritance. She's been posting for a while.

Batmanwearspants · 26/02/2018 13:00

So you put in the work.

You do realise there are people in this country who don’t have a hope in hell if buying a home or having 200k in savings. Who would jump at the chance to own a fixer upper.

Honestly I usually sympathise with how hard it is to get housing ladder is at the moment but this thread is something else.

YetAnotherUser · 26/02/2018 13:00

This made me chuckle...

I live in the south and £200K could buy a modest house outright in my town.

hereyougosuckmyassforensics · 26/02/2018 13:02
Biscuit
SlothMama · 26/02/2018 13:03

@RandomUsers where I live currently £200k will get you a 4 bed detached, I currently live in West Cheshire and where I'm looking to live in East Cheshire you'd find some. And there are hospitals here!

shartsi · 26/02/2018 13:03

Buy a shared ownership property in this posh area that you want to live.

Fliptopdustbinlid · 26/02/2018 13:04

You can EASILY find a house with a garage for £350k in the south east and them commute into London!

BadTasteFlump · 26/02/2018 13:06

What a pointless boast post
Bore off

I just spat my soup across the desk Grin

Mummyoflittledragon · 26/02/2018 13:06

^^
What flip top said. First world problems 🙄

CavoliRiscaldati · 26/02/2018 13:07

unless you have unlimited budget, you have to compromise, just see what you can afford for your budget. It's not bad for a 1st time buyer.

If you are expecting a 6bed detached house fully furnished with designer things, then, no, you don't have enough. If you do it the way everybody else has always done, put a foot on the ladder, you have more than enough.

What exactly are you looking for with this thread? Winding up people? Advice?

Bluelady · 26/02/2018 13:07

Painful diamond shoes.

QueenDramaLlama · 26/02/2018 13:07

Look a bit harder then! We got ours with a 20k deposit, you're doing something very wrong if you cant work it out....

needmysleep75 · 26/02/2018 13:08

@RandomUsers have a look round the East Midlands NG and DE postcodes ( where I'm from originally ). You could definitely get something and there are several hospitals in the areas

BadTasteFlump · 26/02/2018 13:10

OP are you the poster who got left a whopping inheritance? I wouldn't be wanting to put that money into a house jointly owned by a partner anyway. You need to protect your assets IMO.

BuggerOffAndGoodDayToYou · 26/02/2018 13:11

You can EASILY find a house with a garage for £350k in the south east and them commute into London!

Not necessarily. I am in the south east and would be able to get a 2 bedroom maisonette for that (with no allocated parking).

Houses are ridiculously overpriced. Yes OP is in a great position having such a large deposit but I totally understand that she is frustrated by the prices for a decent property.

BarbaraofSevillle · 26/02/2018 13:13

Same for areas around Leeds, Manchester, Liverpool, Sheffield etc. Also areas of Wales, Birmingham, much of Scotland, Newcastle.

£150k budget, 2 or 3 bed house, driving distance of a city and hence (usually) at least 2 large hospitals, often more.

When people like the OP post moans like this, it's usually because they're not prepared to move away from London/SE and they're not prepared to buy a flat or a smaller house.

YABU if, as a FTB, you are expecting to be able to buy an entire house without a mortgage, or even with an affordable mortgage, in the most expensive parts of one of the most expensive countries for housing in the world. Talk about wanting the moon on a stick.

3luckystars · 26/02/2018 13:14

I just don't know how to advise you because I'm not a money expert, but if you can save 200k deposit then why don't you save for another month or two and you will have the full price.

Argeles · 26/02/2018 13:14

I’m a Londoner and I completely sympathise with you op.

Through busting our arses saving, DH taking a second job, and a very generous donation from a relative, we managed to gather together just over £100,000 for a deposit. We still had to take out the absolute maximum amount of mortgage available to us, and then the cheeky fuckers told us we’d have to pay off our student loans in full in order to give us that amount! We managed in the end to do this.

In the area we had been looking to buy in (and eventually bought in), the prices for the type of flat that we bought almost doubled in the space of 3 years whilst we were saving. It was a nightmare situation, thinking that we were getting somewhere with saving, then for the astronomical rises to keep detracting from our savings.

I do know of some areas in and around London with good transport links and schools etc, with properties in your price range (depending on what kind of property you need). We’re not living in one of those areas, as they were too far away at the time from our workplaces, and DH was being a bit too snobby too, but is now realising the error of his ways!

Private message me and I’ll give you more details of areas if you wish.

Good luck, and well done on saving such a large amount.

dantdmistedious · 26/02/2018 13:15

I'm in zone 4 and you would struggle, its the parking. My house would be on the market at 650 and doesn't have parking.

Go out to zone 6 or a less desirable area and it would be possible.

BMW6 · 26/02/2018 13:15

OP I live in Southampton and you can buy a house outright for that! My Victorian 2 bed terrace with small garden is currently valued at £180 k.
You are frankly being ridiculous. And a gf.