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Isthe market quiet because of school holidays?

35 replies

LizzieMint · 19/08/2014 12:33

Our house went on the market at the start of the school holidays (bad timing, but couldn't be helped). We're in an area where houses don't come up often and are usually snapped up within a week. So far we've have an open day that no one came to and two viewings. House is in good nick and priced according to the selling price of the last equivalent house sold nearby, which sold just before the holidays.
Is it the holidays making things so quiet? Just getting really twitchy about quite how little interest we've had!

OP posts:
itsnothingoriginal · 23/08/2014 22:30

Hmm a few years ago I would have completely agreed with the negative assessment of the property market but I have quite a few friends in the property field (South West) who say that increasing nos of buyers are purchasing with cash and they are still selling multiple properties to BTL investors. Amazing really but I guess a fairly significant proportion of the country have been unaffected by the recession and 'think' we are pretty well over the worst now. Mortgage approvals rose last month too so I would hold your ground until at least the end of Sept - good luck with your sale OP :-)

FacebookWillEatItself · 24/08/2014 07:41

I think the biggest driver in the BTL boom has been the appalling performance of private pension plans coupled with very low interest rates on savings. Middle aged people are moving heaven and earth to get into BTL and any spare cash is targeted as a deposit as it's the only way they can see to provide a reasonable income in their old age.

Also whereas years ago anyone who inherited a lump sum when their parents died might have spent it on doing up their own home, buying a motorhome, going on cruises, retiring a bit earlier etc, now they know the best way to make that lump sum work for them is to invest it back into property and use the rent as much needed income/pension.

FacebookWillEatItself · 24/08/2014 07:43

Also, many moderately high earners able to accumulate lump sums of cash from bonuses etc. will invest in properties in the hope that they might be able to help their own children onto the property ladder, or at least provide them with housing when the time comes, as they see precious little chance for them to be able to buy their own homes quite so easily as we did, back in the day.

Isitmylibrarybook · 24/08/2014 08:10

This reply has been deleted

Message withdrawn at poster's request.

FacebookWillEatItself · 24/08/2014 10:08

I agree that for many people interest only mortgages are a disaster waiting to happen, but not for everyone. You need to:

have a very healthy loan to value ratio,
buy sensibly; preferably a low maintenance property,
choose an areas where the rental yield is healthy and the market is solid and proven with a low risk of voids,
have done your maths and your due diligence
be in it for the long term,
be confident that you have the funds to weather any sudden interest rises that might push you into a cash-neutral situation each month or even a cash negative situation for a while.

The trick is to be able to keep hold of the house and keep things ticking over without accumulating debt throughout a housing crash and/or periods of rising interest rates. If you've kept somewhere for 15 years or so and need to sell it to repay the interest only mortgage then providing you had a decent amount of equity in there to start with, and you didn't choose your mortgage very unwisely you should have not only made money on the house but also on the rental income. The people who really come unstuck are the ones who are forced to sell in a downturn or with negative equity. that could happen to any of us at any time if we've owned them for ten years or less, (give or take, as a rule) but the key is to HAVING A CHOICE about whether/when you sell up. Even if there was some unforeseen huge financial disaster and you found you'd slipped into negative equity for a few years, providing the rental income is paying the mortgage or at least just covering costs then eventually it will right itself. Just stick with it. But obviously you can only do that if you have a healthy cash float for emergencies.

The people who come unstuck are the ones who go into BTL by borrowing in their own home, very small deposits, poorly chosen borrowing, no plan for future downturns or rates rises, poor due diligence and rose-tinted glasses. Also leveraging too highly and too quickly can be disastrous as we now all know. But after the spectacular crash and burn stories of the last decade we've all heard it's actually very difficult to borrow to that extent now anyway. Almost impossible in fact.

The days of making money thick and fast from BTL are well and truly over, but hopefully so are the days of losing it! We can all learn from the people who have been there and done that, for better or for worse.

These days there is still long term security and money to be made in BTL but you need to be well-versed in all the things that can go wrong, and have contingency plans. You need to be in it for the very long haul, too. nothing can be flipped for quick money any more - not unless you REALLY know what you are doing and even then it's very risky.

roneik · 26/08/2014 21:50

Buy to let can be compared to the tulip bubble ponzi scheme

The late comer buy to letters will burn as soon as interest rates go up . This may even be the trigger for bringing our economy down

Last one holding the parcel will be well knackered and on their arse when the music stops and good job too

roneik · 26/08/2014 21:57

If being a buy to let landlord is so wonderful why are the Wilsons desperate to sell their empire of 1000 properties?

Give the young a chance lets see buy to let landlords in the poorhouse, or the workhouse

As soon as these parasites lose their shirts the youngsters will have a look in , instead of licking bakery shop windows

roneik · 26/08/2014 22:18

Cough I will get my coat now, but before I do as someone pointed out this morning on the bbc interest only (when the rates go form one per cent to two) it doubles the repayment.Most buy to loet thankfully fall into that cat LOL
So any buy to let landlords with iffy bowels and said movements need to engage brain for the scary ride on the humongous dipper ride that sends ya grey instantly and to tent mode

roneik · 26/08/2014 22:35

Edit should read buy to fret, no it's not an error buy to fret , It's the new buzz word

Redpolkadotpot · 27/08/2014 16:51

Roneik, if you want to discuss house price crashes you should do so on your own thread, or better yet do it on housepricecrash website but I think it is pretty rude of you to do so on this one when the OP is trying to sell her house!

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