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FTB advise

8 replies

stackhead · 13/04/2018 17:58

Just wondering if you could give a FTB a bit of advice on an offer really as we don't have anyone to ask:

We're looking at buying in a newish estate in Lincolnshire (just down the road from our rented place really).

It's a big estate and about 3/4 years old so there's pretty much always a property on the market (although a mixture of values).

We're looking at 3 bed semi and detached houses.

So to the offer. There's two houses (exactly the same, different streets) on the market right now at 197 & 200k
We want to offer 175-180. Here's why:

  • there's not a lot of previous sale info but I found 2 that sold last year for 190k
  • there are other 3 bed detached houses in the area (a bit further away from the station but still within 1 mile) on the market for 188-190
  • since the new estate was built planning permission has been granted for a commercial development - offices and light industrial - literally across the train tracks. The offices will overlook an entire streets gardens.
  • since the estate was built the train line has gotten significantly busier with high speed services starting in 2019 and a consultation out to generally increase the speed of the line

For our factors:

  • we're first timers and have an agreement in principle
  • could move immediately but also happy to wait, our timeline is to be in somewhere new by Christmas
  • plenty of fish in the sea as it were - one of the houses has been up for 3 months and we know that eventually another will come up if we lose one

So with that in mind whatcha think of our offer? Overly cheeky or reasonable considering.

OP posts:
stackhead · 13/04/2018 18:00

On. I forgot an important factor:

The houses we like are leasehold (997 year lease left) vs the other lower priced houses which are freehold.

OP posts:
nightshade · 13/04/2018 18:01

Nothing is ever a cheeky offer in my mind...

I've made cheekier offers than that..

The worst that can happen is they say no..

scurryfunge · 13/04/2018 18:03

It seems £190k is the benchmark so I could see sellers rejecting such a low offer.

Teenytinyvoice · 13/04/2018 18:04

My advice would be don’t touch leasehold houses with a barge pole.
You will need to ask the leaseholders permission for all kinds of things, and they will charge for consent. You have no control over ground rent costs, and buying the lease at later date can be fraught with difficulties.

scurryfunge · 13/04/2018 18:05

Stay clear of leasehold on new properties.

goinggoinggonegirl · 13/04/2018 19:33

Agree don't buy a leasehold if you can help it. Difficult permissions, hidden charges, nightmare to sell.

But I wouldn't ever worry about a cheeky offer. Just give the estate agent the reasons you've listed. They can only say no. Better than them accepting your first offer and you wondering if they could've gone lower!

Lucisky · 14/04/2018 12:44

Hmm, a leasehold property with a busy train line and industrial units close by. I would think if you bought this property you will probably have a heck of a job ever selling it again! It really doesn't sound like a good buy at all. Steer well clear of leasehold properties, have a Google about the problems.
Can't you find something freehold in a better position?

bellsbuss · 14/04/2018 13:42

Buy freehold

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