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

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think I’ll never be able to afford to buy on my own…

151 replies

Childmaintenanceq1 · 29/04/2025 20:07

Age 40…divorced
earn 50k…
I have approx 130 cash
bank will lend me 180 🙄 and that’s not even for sure…

So that’s max price of 310…there’s nothing in my area even close to that, I need 3 beds as I have two dc…bloody hell!

I thought that I was in a good position…obviously not!…just having a moan.

OP posts:
MiddleAgedDread · 30/04/2025 07:38

Pippa12 · 29/04/2025 20:10

You’d get a 4 bed in the north west for £310!

Sweeping generalisation of “the north west” there!! Oh it’s always cheap up north on mumsnet! 🙄
YANBU OP my 2 bed flat only just comes in under your budget and people don’t seem to appreciate you can’t just upsticks and move to the other end of the country when you’ve got a job and kids etc!

TellReign · 30/04/2025 07:39

Pippa12 · 29/04/2025 20:10

You’d get a 4 bed in the north west for £310!

Not in all areas of the North West you wouldn’t. Only some. Depends on Location.

Childmaintenanceq1 · 30/04/2025 07:39

Hall84 · 30/04/2025 07:38

Do you receive any child maintenance? I think you can use this as 'income' during the affordability checks. I'm a little earlier in the process so trying to sell the marital home whilst I live with my parents. (We wanted to avoid DD moving schools) I earn the same as you, am the same age and without a broker am looking at a mortgage of ~£190k. There isn't as much equity in our house so realistically am looking at a budget of ~£240. I'm going to speak to a broker once the house is sold but it's soul destroying sometimes to think that even a 'good' wage on paper won't allow me to buy a modest home for us. Good luck.

No maintenance as 50:50 care

OP posts:
Gandalfatemyhamster · 30/04/2025 07:40

Two bed and save for a loft extension. Or find one with a dining room and make that an extra bedroom. Three bed flats are often cheaper.

welcometonewyorkitsbeenwaitingforyou · 30/04/2025 07:40

@BakelikeBerthawhat a ridiculous post. Your situation is not remotely comparable and you just clarified why a lot of people think boomers have no idea about life for the younger generations.

I live within an hour from London in the Home Counties and there are literally no 3 bed houses of that price around here, unless you want to live in a crack den. I’m amazed people don’t realise this is the situation in large parts of the country. £310 would get you a tiny 2 bed starter home of around 600 sq ft max where I am, and it would need work.

FedupofArsenalgame · 30/04/2025 07:43

MellowPinkDeer · 30/04/2025 07:20

yes , and even more so one more stop along at witham.

edited to add we looked at billericay but the house prices don’t really reflect that you don’t actually get into London quicker and it’s defo not going to work for the OP.

Edited

Lol phew Quite enough Londonites in the town anyway having priced locals out

RichardMarxisinnocent · 30/04/2025 07:43

Childmaintenanceq1 · 29/04/2025 20:18

There’s no one beds in my town. And there’s 2 2beds at the moment, but he of which are not worth the price tag and no space to put beds in a living area.

I know I’m pushing al ideas but that’s because I’ve been through the all, they are not viable. I’m just having a bad day sorry

But you don't need space to put beds in a living area? Presumably there is space for a sofa in the living areas, so you just need enough space to be able to pull a sofa bed out into a bed. You don't need room for a sofa AND a bed.

BallerinaRadio · 30/04/2025 07:48

Fucking hell some of the comments on here, some people really are against people owing a nice home for their family aren't they?

Buy a 2 bed, move away from your job schools and family, turn the fucking lounge into a bedroom, cut down on your costs having no idea what your costs are... I imagine every single one of these people is posting from their owned home that they've probably been in for many years from before house prices went nuts.

Good luck OP I feel your pain

mylovedoesitgood · 30/04/2025 07:53

People have been genuine with practical and realistic suggestions, which is more than I can say for you @BallerinaRadio . Also, your tone is oddly aggressive.

dointhebestwecan · 30/04/2025 07:53

I am in the same position - it’s needing the third bed which is tricky. There are two bed side entrance ‘semi-detached terraces’ which therefore have a downstairs room which can be used as a bedroom easily. Or you get a terraced which has a corridor downstairs so again the lounge can be used as a bedroom. Or you can buy two bed where one can be divided with a stud wall. There are one or two houses which come up at 300K they will be two bed though. You would need to get a doer upper. Not many come up but you need to be an expert on rightmove for when something pops up. Ex council are cheaper n if you sacrifice on garden, parking or main road that will get you something cheaper. I managed to get three beds by getting main road, hardly any garden n the kids rooms are small so those houses are there it just takes patience. I feel for you OP.

BallerinaRadio · 30/04/2025 07:57

mylovedoesitgood · 30/04/2025 07:53

People have been genuine with practical and realistic suggestions, which is more than I can say for you @BallerinaRadio . Also, your tone is oddly aggressive.

Turning a lounge into a bedroom is not a practical or realistic suggestion along with a lot of the other 'advice' it just sounds like gatekeeping of home ownership by people that paid pittance for a house many years ago and look down their noses on anyone trying to get on the ladder.

The OP wasn't asking for advice on how to cram her family into a tiny house that isn't fit for purpose, she was commenting on the unfairness of the situation she finds herself in. Some of the 'advice' is quite frankly insulting

Cnidarian · 30/04/2025 07:58

BakelikeBertha · 29/04/2025 23:17

People frequently moan about the 'Boomers' who were all able to buy their own homes, had it easy, blah, blah! However, a lot of us were prepared to buy somewhere that was perhaps out of our area a bit, or places you had to do up, or somewhere tiny to just get on the ladder. We bought second hand furniture, and thought all our Christmas's had come at once, if were lucky enough to be offered a second hand washing machine, fridge, or cooker. Now it seems that while so many moan about how hard it all is, no one seems prepared to go without anything, or put up with discomfort of any sort, in order to get where they want to be. Everyone WANTS to buy the house that suits them, and furnish it with brand new stuff, often turning up their nose at the offer of something second hand, but that is the way that a lot of 'Boomers' managed to get on the ladder.

I'm afraid your attitude in response to all the suggestions people have made, makes me mad OP, as you don't seem prepared to suffer even the tiniest hardship, or inconvenience in order to get what you want. Why is that?

When I split from my DH, I moved from a large 4 bedroomed detached house, was used to having a new car every couple of years, and had plenty of spare cash for holidays etc., as he was a high earner. I suddenly found myself, with no job, (I'd been a SAHM) no skills, and no credit score. I got myself a part time job, as it was all I could get. Proved I was good at it, and was offered full time after a few weeks, which I gratefully accepted, even though I didn't like the job much. When the family home had been sold, I got a relatively small lump sum to use as a deposit, and with the help of a mortgage, I was in a position to buy an old, two bedroom house, in a cheap area, that needed EVERYTHING doing to it. My best friend came round to have a look when I got the key, and almost had kittens, asking me what on earth I was thinking buying a place like that. However, over a period of a few weeks, a lot of determination, and doing DIY most nights until 10pm, after a full day at work, I finally had one room which was decorated and cosy. My teenage child and I, lived in that house, while I continued to work all day, and do DIY every night, gradually making that poor little house into a home. I was absolutely terrified of taking on a mortgage on my own, but knew that as long as I was careful, I could pay that and the bills, and keep my child fed and clothed, and that was all that mattered to me.

Now, I am back to living in a large 4 bed house, have a new car, and am happily married to a wonderful man. Which just goes to show that if you're prepared to put yourself out and work hard, instead of whinging and feeling sorry for yourself, you CAN, get the things you want. So please stop moaning and feeling sorry for yourself, and do what you have to, to get where you want to be.

She already works in a £50k job Bertha!

Satisfiedkitty · 30/04/2025 07:59

I think that people have no idea in the prices in the south - where I live, and I'm talking a wide area, bits nice, bits not, £300k wouldn't get you a 2 bed flat. 3 bed semis start at around £650k.

dointhebestwecan · 30/04/2025 08:01

Childmaintenanceq1 · 30/04/2025 05:27

im kind of lost for words here, I’ll keep most thoughts on this to myself and just say…you have no idea of any of the hardships I’ve been through, I’m entitled to want to best going forward. I’m not asking for a mansion, just a 3 bed semi. It’s reasonable ask imo.

agree with you OP - that was a very smug post.

Wolfpa · 30/04/2025 08:02

If you want to own a home sacrifices will need to be made. I shared a room with my brothers until I went to university.

not ideal but it happens.

dointhebestwecan · 30/04/2025 08:05

Forgot to say - getting something which cud have a loft conversation would be good for adding value but you wud need a while to save up.

AndImBrit · 30/04/2025 08:06

I have a 3 bed flat, newish build and very modern, walkable to a train station that I’d let you have for the cash alone.

So yes, you can afford to buy. Just maybe not what you want.

BallerinaRadio · 30/04/2025 08:06

Non home owners what are we thinking to own our own home we must sacrifice our first born, go without food for days on end, sleep in a tiny cardboard box in a tiny box room, live with the worst people in the world... Just to prove we have earned the right to have a nice home!

I was accused of being aggressive earlier, but quite frankly the people with this sort of attitude on this thread can fuck off. And then fuck off again. And then fuck even further off.

BallerinaRadio · 30/04/2025 08:08

Childmaintenanceq1 · 30/04/2025 05:27

im kind of lost for words here, I’ll keep most thoughts on this to myself and just say…you have no idea of any of the hardships I’ve been through, I’m entitled to want to best going forward. I’m not asking for a mansion, just a 3 bed semi. It’s reasonable ask imo.

I'll voice the words you were thinking

Fuck off Bertha

😂

heffalumpwoozle · 30/04/2025 08:09

CheesyLeek · 29/04/2025 20:08

Where on earth do you live that you can’t buy a 3 bed for 310?

Umm pretty much anywhere in London/Sussex/south east england!

Macaroni46 · 30/04/2025 08:11

CheesyLeek · 29/04/2025 20:08

Where on earth do you live that you can’t buy a 3 bed for 310?

A lot of the South East is nearer 500 or even 600 for a 3 bed!

gattocattivo · 30/04/2025 08:13

I get that it feels crap but tbh, if a couple buy a home together, with both incomes contributing to one property, then subsequently split and want to buy/ run two separate properties with no more money coming in, logically, each partner is going to be looking at something smaller/ less desirable. That’s basic maths. You previously pooled resources for one property, now you’re separately wanting to buy two.

there are some good suggestions here about sleeping in the lounge until you’re in a position to maybe relocate, or even move up to a 3 bed. It’s doable. It won’t be as nice as your current home but that’s inevitable, there’s no way round that so best to look at how to make a smaller place workable for you.

TheFatCatsWhiskers1 · 30/04/2025 08:17

Satisfiedkitty · 30/04/2025 07:59

I think that people have no idea in the prices in the south - where I live, and I'm talking a wide area, bits nice, bits not, £300k wouldn't get you a 2 bed flat. 3 bed semis start at around £650k.

Exactly. The 40 sqM one bed next door to me sold for £310k a couple of years ago. Not in London. So many just haven't got a clue and yet spout drivel about entitled younger generations who could afford to buy a house if only they didn't turn their noses up at second hand appliances. And then there's those who say 'move up north!' as if it's this homogenous entity where £50k will buy you a four bed doer upper in an area where jobs are plentiful, and that there is absolutely no problem at all with moving your children 300 miles from their father and the rest of their family.

Summer2025 · 30/04/2025 08:22

BallerinaRadio · 30/04/2025 07:48

Fucking hell some of the comments on here, some people really are against people owing a nice home for their family aren't they?

Buy a 2 bed, move away from your job schools and family, turn the fucking lounge into a bedroom, cut down on your costs having no idea what your costs are... I imagine every single one of these people is posting from their owned home that they've probably been in for many years from before house prices went nuts.

Good luck OP I feel your pain

No I bought a 2 bed flat for 392k in 2019 when I was 26 and dh was 29. We lived in a mouldy room in DH's family home for 3 years to save up for that..will live in 2 bed flat for the foreseeable and dh got a vasectomy partly to ensure we don't need to move (pregnant with a ds).