Property ladder - what is your experience?

[Snog]

Here's mine
Age 28 - one bed, bought as a single person
Age 31 - two bed, with DH and pregnant
Age 48 - four bed house

All in the same area. Expect that we will downsize in a few years time to help fund retirement.

Age 27 - bought one bed Victorian flat with exDH in London Zone 1 for £250k - god knows how we did it, it was literally 10 min walk from Oxford St

Age 33 - bought another place with exDH - 2 bed maisonette in Zone 2 for £279k. Thankfully kept the first place as a buy to let

Age 35 - having split up with DH, bought a 2 bed flat in zone 2 for £250k (having sold the first flat)

Age 39 - bought the 3 bed house I’m in now for £600k (only made possible by making a profit of £150k on the flat, and having a massive salary increase.)

Age 21 - 3 bed semi - on my own
Age 30 - 4 bed detached with DH
Age 32 - 5 bed very large detached with DH

all different towns
still here 17 years later, love living here
hope to retire somewhere on the south coast

Age 23- bought 2 bed flat with sister.
Age 27- bought 3 bed end of terrace with sister
Age 29- moved into 3 bed terrace with then boyfriend (he owned)
Age 33- sold my house, got married and bought a 5 bed detached.
Age 39- bought a larger 5 bed detached with dh.
Age 40- got divorced and bought a 3 bed victorian terrace. I love this house, they will have to take me out of it in a box!

Age 22 bought a beautiful 4 bed Victorian house with a sunny south facing aspect.
Used to grow amazing peppers and tomatoes in the bay window! Stripped floorboards, fire places, large kitchen diner and a beaut living room . Perfect area for a “young professional” in the city and I rented out two rooms to lodgers who paid the mortgage. Fuck me it was cold in winter though, and the roof leaked when the rain blew a certain way occasionally. And the bathroom was shit. And it really needed a replumb and a rewire.

Age 26 moved into a rented but bloody awesome 1 bed flat in central London with DP and lived the work hard play hard lifestyle. Best years of my life, probably.

Rented my house out.

Roof problems with house become critical, needs a new roof, too much hassle being a landlord and decide to sell.

Age 31 buy a 3 bed ex-LA late 50’s build 3 bed end terrace in zone 3 to get a garden. Get a cat. Grow up. Go exercising rather than partying. Mine, not joint with DP. Rent out one room to a lodger to assist with mortgage.

Have gone down in square footage and niceness but have doubled in cost 😢

I’ve been here 3 years and can’t see me moving for a long while - would love to make downstairs awesome with a layout change and new kitchen and big sliders to the garden, but seems frivolous when it’s perfectly fine as it is

Age 23, bought a two-bed semi with my DH when we married in the late 80's, in need of renovation.

Age 31, bought a three-bed detached with my DH, also in need of renovation, mid-90's

After failing to sell the detached house, rented it out while we rented a smaller three-bed detached after relocating a couple of hundred miles, age 46, then our landlord wanted to sell so we bought the rental property a couple of years later. Did manage to sell our other house a few years later.

Age 22, bought three-beds detached by myself in Australia.
Age 29, DH and I decided to move to London
Age 32, bought 2 bed terraced in commuting area
Age 33, looking to move to a 3-4 beds detached or semi.

Age 39 into a 3 bed semi
Will probably stay here

25 3 bed semi
35 3 bed detached

Currently 39. Not planning to move again.

Age 22 (1980s) 2 bed derelict bungalow for £18000 with now ex. Age 30 left ex and returned to parents 😱 House worth £85000 but got £20000 in settlement.
Age 33 bought 3 bed end terrace with current DH for £42000(1992)
Age 57 sold last house for £155000 and downsized to current 2 bed terrace on edge of woodland with DH (£135000). Used equity in last house to pay off mortgage and totally upgrade current home. Hope to never move again!

Age 27 brought 3 bed terrace £70k zone 4 (1999)
Age 38 brought 3 bed semi £250k zone 6 (2010)

Staying here until we need a bungalow

25 (2010) DH & I bought a 2-bed terrace - rejigged it into a 3 bed with upstairs bathroom before DC arrived.

32 (2017) 5 bed detached in need of some work (now done), better area. Will stay here for the foreseeable.

Aged 20 - bought a 3 bed terraced house with small drive, ok garden with boyfriend for 148k
Aged 22 - bought 3 bed semi woth large drive, tint garden with boyfriend for 260k
Aged 24 - bought 3 bed detached bungalow, lovely garden and large drive with husband for 290k

I am currently aged 24. Got the keys for the bungalow 2 weeks ago.

28 - bought 2 bed flat (Victorian) in London with DH, had one DC, new kitchen and bathroom, replaced windows in conservation area
32 - bought 3 bed house (Edwardian) in London, had second DC, Loft extension, damp proofing, re rendering, new windows
34 - bought 4 bed town house (10 years old) in a city not London with twice the floor space and NO work to do! Bliss! Been here for two years now and hopefully stay for a while!

Flat one, bought for £260, sold for £415
House one, bought for £500, sold for £650
House two, bought for £615

Age 25 - bought 3 bed terrace for £183,000 with (now) DH, renovated and sold 5 years later for £243,000
Age 29 - moved to 5 bed end terrace for £267,000, began renovations. I'm 30 and we aren't moving ever again!

Short ladder here too.

25 - 3 bed detached with DH for 234k
26 - yr later away to move to detached 4 bed for 320k

That's about it 😂

I'm amazed at how early some got their shit together!

32 3 bed house in the middle of nowhere interesting
43 4 bed house in a slightly more practical area

Not much of a ladder for me.

Age 39 - 4 bed detached in market town for £390k

Age 43 - 4 bed semi in city (not London) for £635k

I'm now 46, mortgage is paid off

37: bought 1 bed flat on my own.
47: bought 4 bed terraced house with DP.
That's it! 19 years later, no plans to move. Have just turned a bedroom into a bathroom.

Aged 27 bought a 2 bed terrace just outside of London.

Learnt the art of pulling cash out & BTL mortgages.

29 years later, still own that house along with 8 other properties (3 flats, 6 houses).

Live in a 3 bed semi in London, rent the other 8 properties out (i’m now mid 40’s)..

Should say 20 years later (not 29).....

Aged 18-33 rented room in flats/houses moving every 1-2 years, variously with friends/strangers, last 3 years in London.
Aged 33-36 rented 1 bed flat London with DP, and then 3 bed terrace rural town, also DP
Aged 36 bought 3 bed terrace in same rural town with DP. Love it, no plans to move
Am 39 now

At 24 bought(with help of garantoor) a 3 bed back to back terrace lived there with lodger bought for 32k sold for 65k
At 33 with dh bought 3 bed semi bought for 87k sold for 280k
At 50 bought 4 bed semi

28 bought a 4 bed semi on shared ownership (70%). Already married and had DS.

Now 30 and plan to staircase in about 3-4 years and almost immediately move to a nicer area. Would be happy to have a 3 bed but a larger garden. Will plan to stay there at least until DS leaves home.