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Property/DIY

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Hollyhead · 06/10/2023 13:58

My advice would be to price at 2019 prices, and negotiate your own ward purchase to the same level as I think that’s where we’ll end back at before quite a long flat period.

DrySherry · 06/10/2023 14:53

I don't see the point in going back on in January when the prices will have fallen further and buyers will be even more cautious. If you need to sell better to drop the price hard now to try and rope in a buyer. If you don't really need to sell its better not to imo

ClematisBlue49 · 06/10/2023 17:40

I'm in this position and will see how things are when the time comes. I couldn't face going straight back on the market in any case, and we're close to the point where Christmas gets in the way.

4.7% in a year isn't too dramatic given that prices had shot up in the previous year. If the falls are still accelerating, I'll consider holding off for a few months, since buyers will be attempting to reduce offers at the last minute unless there is a general perception that a plateau has been reached. In some ways it's less about the price and more about not wanting to be messed around again.

Renting out is a last resort, but might prove attractive if house prices are much lower next year but rents remain stable or even rise further.

iovebread · 06/10/2023 19:33

I strongly predict house prices will fall much much further, as buyers are cautious and reluctant to buy. If you wait, you will find that you'll be selling for far less next year and the year after, and the year after that etc. It makes sense for buyers to wait as it's a buyer's market, but the longer a seller waits? Well, they're just letting their house depreciate more and more.

As pp said, if you don't need to sell, I guess don't. But most sellers I know are starting to realise that this is not something that will recover or get better in a year or two. This is the new normal. The global economy has shifted and high interest rates are here to stay for a long while - many years in fact. They may come down a tad bit, but still be unaffordable to many. I keep seeing on these forums that sellers think it will all get better in a year or two? Not sure what they are basing this on though.

The bottom line is, house prices will have to come down, whether sellers like it or not. It's already reported buyers aren't looking. It's technically cheaper to rent for most people, without the headache of taking care of a house and all the extra expense (insurance, solicitors, fixing things, reno costs spiralling out of control etc).

Smart buyers know this. Desperate buyers may find themselves in negative equity if they buy now and plan on moving within 3-5 years.

SuddenlyOld · 06/10/2023 19:37

If you sell, surely the house you buy will also be cheaper?

Only a benefit for ftb

We just bought and sold. We didn't consider actual price but the difference in price. For example, our house was on market for 150k, we offered on a house for 160k. We had to accept a lower offer of 140k so seller agreed to drop to 150k. Still 10k difference.

Hollyhead · 06/10/2023 20:56

@iovebread but onward purchases will be cheaper for sellers. It's only sellers in a few categories who would be negatively affected in reality - probate and divorces. Anyone upsizing will be better off even if their house has depreciated as they'll be borrowing less for their onward purchase, and downsizers will still have 'spare cash' if they're buying a cheaper property.

iovebread · 06/10/2023 23:29

Hollyhead · 06/10/2023 20:56

@iovebread but onward purchases will be cheaper for sellers. It's only sellers in a few categories who would be negatively affected in reality - probate and divorces. Anyone upsizing will be better off even if their house has depreciated as they'll be borrowing less for their onward purchase, and downsizers will still have 'spare cash' if they're buying a cheaper property.

exactly why house prices dropping all round is a good thing for everyone.

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