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Help with putting in an offer

42 replies

MovingOn2025 · 14/08/2025 20:58

Im viewing a house tomorrow. Its up for £160k. House for me and kids following a divorce from dad. It looks perfect to me, terrace 3bed with a small back garden. Located in a town setting. Needs decorating and a couple of loose tiles on back but nothing that looks leaking, damp etc. no driveway but parking on road outside. If it goes ok, £160k is my absolute max mortgage, i might not even get it all lent to me. How is the market atm- can i put in a lower offer than asking price or over? If so what? Whats not too cheeky? Its empty and ive no chain so im in a great position. No chain pretty much. Kitchen and bathroom horrendous but liveable i guess for a time

OP posts:
Cappuccino5 · 16/08/2025 00:07

In a similar situation to you OP - buying with relatively limited funds post divorce. Have finally secured a house but was actively looking since about April. I didn’t see any houses go below the asking price, most went at least £20k over (and some were in absolutely shocking condition!).

The market is crap at the moment. The home that I am buying last sold for £175k in 2022, now 3 years later in the exact same condition it was advertised with an asking price of £195k! Ended up sale agreed at £220k after a short bidding war. It probably could’ve went higher had the owner not been keen for a quick, chain free sale.

It’s far more of a mortgage than I wanted (and at the upper end of what the bank would lend) but anything else was either in awful condition or a bad area. You can’t win!

MovingOn2025 · 16/08/2025 00:24

Yes id definitely have a full home survey. Thank you for all your different views and advice!

OP posts:
Wistfullysleepy · 16/08/2025 00:31

Do you have a deposit if you’re saying the mortgage would be for £160k?

Honestly, that house to my (not trained but a post divorced house buyer) eye looks a lot of work

CallMeFlo · 16/08/2025 00:31

Yachtingaroundtheworldiwish · 14/08/2025 23:15

It’s usual to offer around 10% off the asking price.

Its crazy the difference between Scotland and England. My nieces boyfriend has just bought a flat one he didnt get was offers over £215k. It sold for £297k

He finally got one for £40k over the asking price

MovingOn2025 · 16/08/2025 01:20

Just dont have a lot of choice where i am tbh at this price level of the market.

OP posts:
MovingOn2025 · 16/08/2025 09:41

ive gone back to the EA and asked a load of questions. Feeling 50:50 on this one. Location is great, but as a single person/wage i dont want to take on something too big ill struggle to do up! Im happy to do it up and get hands on. Here is what ive asked:

Is the attic room classed as a proper room and is there paperwork to go with this?

Re paper off the walls/ceiling, is that due to a leak at some point?

Under the stairs on ground floor, the bricks are crumbly, is that damp? Has it been damp proofed? See photo. Are there any known issues with damp in this property?

Boiler - does this work? It was hard to tell if it was working as no light on. When was it last fully serviced?

What are the restrictions for this property that it mentions on the rightmove property description?

Do you have any insight into whats happening with the land next door that's fenced off (behind the coop funeral building) if anything?

Has there been any issues with the neighbour next door? Do they own/rent?

OP posts:
PropertyGuy · 18/08/2025 12:31

It will be interesting to see what the estate agent says in response to your questions. Especially as you can possibly find the answers to some of your questions yourself, if you know where to look.

But remember that they ultimately work for themselves first and the vendor second. Especially if it's a landlord disposing of one property in a portfolio and when they might have other properties to sell / rent out.

You on the other hand are just a bog standard buyer and a means to them potentially securing a sale and getting their commission.

So, I'd expect them to say very little or absolutely nothing, other than to say those are things your solicitor / survey should turn up.

  1. Loft room - there are no results found on Charnwood Borough Council's website's Planning Search or Building Control Search relating to #226.

That doesn't mean the conversion was done illegally. But it also doesn't meant that it was or that it has been done well.

As the property is spread across three floors, in my opinion, a responsible landlord would have had all the doors replaced with fire doors.

  1. Paper off the walls / ceiling - you're best placed answer this as you will see the house yourself. Are there signs of water ingress or is it more likely condensation that resulted in paper coming away?
  1. Crumbly bricks under stairs - all houses built after 1875 were legal required to have a course. It seems likely this property was built after that. But it's possible that the area you're referring to is the old pantry or "cold step" and the bricks you're looking at could be below the damp course. Therefore, without ventilation, there's the distinct possibility of them suffering over the last 100 years.

Side note with reference to damp: Google "heritage house damp condensation" and have a read through the excellent (and free) information they have on their website.

  1. Boiler - I'd suggest trying it on your visit. If it's a combi, turning on the hot tap in the kitchen and letting it run is the quickest way to see. But as a former rental property, the vendor should have a Gas Safety Certificate dated in the last year (maybe a little longer depending on how long it has been vacant) and shouldn't have any reason not to share that with you.

Same goes for sharing an Electrical Safety Certificate, although there's less of a requirement to have one of those. I'd assume it needs a certain amount doing on the basis that the sockets are still in their original positions immediately above the skirting in the bedrooms though.

  1. Restrictions - these will be contained in the deeds. You should be able to order the title register from the Land Registry for £7. A solicitor would do that later, but you can do it yourself.

I'm surprised there's apparently no issue with rights of way, so I'd just be guessing at what the restrictions might be...

As far as fencing off "your" garden is concerned though, judging by the position of the downpipe at the rear and the manhole cover in line with it, you might not be able to set fence posts underground up the middle of the section closest to the house as there might be drains there.

  1. Are there any obvious signs that 224 Charnwood / 1 Kings Road (the building that the Co-op Funeral Care currently occupy) is up for sale and / or rent with Mather Jamie? Because I found a listing for that with a quick Google.

It appears as though the fenced off section currently belongs to that property. With the aid of previous photos on Google Maps Street View, it appears as though there used to be three garages there (which they possibly should have left standing if someone were to want to go for planning permission for the land at a later date).

Now, in general terms, when it comes to comparison properties, you only really want to look at 228 - 242 as the rest of the road are different in terms of age, structure, layout etc

The good news is that 234 sold in Dec 2024 (and March 2022), 232 sold in Nov 2024, 230 sold in April 2021 (and September 2018) and that Zoopla still has all the photos relating to those listings. So, you can see what state they were in when they sold.

They might give you some further clues as to what issues the properties might have, whilst also giving you inspiration for what they could be like.

Any other questions, just ask :)

PropertyGuy · 18/08/2025 12:33

Doesn't look like my attempt to number the points has worked. Sorry! Excuse the odd typo too. Trying to reply on phone with numerous windows open!

MovingOn2025 · 18/08/2025 22:03

PropertyGuy · 18/08/2025 12:31

It will be interesting to see what the estate agent says in response to your questions. Especially as you can possibly find the answers to some of your questions yourself, if you know where to look.

But remember that they ultimately work for themselves first and the vendor second. Especially if it's a landlord disposing of one property in a portfolio and when they might have other properties to sell / rent out.

You on the other hand are just a bog standard buyer and a means to them potentially securing a sale and getting their commission.

So, I'd expect them to say very little or absolutely nothing, other than to say those are things your solicitor / survey should turn up.

  1. Loft room - there are no results found on Charnwood Borough Council's website's Planning Search or Building Control Search relating to #226.

That doesn't mean the conversion was done illegally. But it also doesn't meant that it was or that it has been done well.

As the property is spread across three floors, in my opinion, a responsible landlord would have had all the doors replaced with fire doors.

  1. Paper off the walls / ceiling - you're best placed answer this as you will see the house yourself. Are there signs of water ingress or is it more likely condensation that resulted in paper coming away?
  1. Crumbly bricks under stairs - all houses built after 1875 were legal required to have a course. It seems likely this property was built after that. But it's possible that the area you're referring to is the old pantry or "cold step" and the bricks you're looking at could be below the damp course. Therefore, without ventilation, there's the distinct possibility of them suffering over the last 100 years.

Side note with reference to damp: Google "heritage house damp condensation" and have a read through the excellent (and free) information they have on their website.

  1. Boiler - I'd suggest trying it on your visit. If it's a combi, turning on the hot tap in the kitchen and letting it run is the quickest way to see. But as a former rental property, the vendor should have a Gas Safety Certificate dated in the last year (maybe a little longer depending on how long it has been vacant) and shouldn't have any reason not to share that with you.

Same goes for sharing an Electrical Safety Certificate, although there's less of a requirement to have one of those. I'd assume it needs a certain amount doing on the basis that the sockets are still in their original positions immediately above the skirting in the bedrooms though.

  1. Restrictions - these will be contained in the deeds. You should be able to order the title register from the Land Registry for £7. A solicitor would do that later, but you can do it yourself.

I'm surprised there's apparently no issue with rights of way, so I'd just be guessing at what the restrictions might be...

As far as fencing off "your" garden is concerned though, judging by the position of the downpipe at the rear and the manhole cover in line with it, you might not be able to set fence posts underground up the middle of the section closest to the house as there might be drains there.

  1. Are there any obvious signs that 224 Charnwood / 1 Kings Road (the building that the Co-op Funeral Care currently occupy) is up for sale and / or rent with Mather Jamie? Because I found a listing for that with a quick Google.

It appears as though the fenced off section currently belongs to that property. With the aid of previous photos on Google Maps Street View, it appears as though there used to be three garages there (which they possibly should have left standing if someone were to want to go for planning permission for the land at a later date).

Now, in general terms, when it comes to comparison properties, you only really want to look at 228 - 242 as the rest of the road are different in terms of age, structure, layout etc

The good news is that 234 sold in Dec 2024 (and March 2022), 232 sold in Nov 2024, 230 sold in April 2021 (and September 2018) and that Zoopla still has all the photos relating to those listings. So, you can see what state they were in when they sold.

They might give you some further clues as to what issues the properties might have, whilst also giving you inspiration for what they could be like.

Any other questions, just ask :)

Thank you for that.

you are right re building next door. EA “didn't know” but said it was still in use by coop as far as he knew 🙄 no for sale/let sign on the outside
https://propertylinkassets.estatesgazette.com/images/20250506/1-126114209.pdf

https://propertylinkassets.estatesgazette.com/images/20250506/1-126114209.pdf

OP posts:
MovingOn2025 · 18/08/2025 22:21

What happens if that commercial property is unoccupied for years and falls into disrepair, it does already look an eye sore with peeling paint when i walked past. Could that affect the property? Is that a can of worms living next to something like this not knowing what it could turn into? Its saying about potentially a noisy business operating between certain hours.

idk 🤷🏻‍♀️

Help with putting in an offer
OP posts:
MovingOn2025 · 19/08/2025 10:57

Anyway, i popped an email to them on Saturday morning. Have not received anything from them from an acknowledgment they received my email to even a follow up phone call!!!

OP posts:
canyon2000 · 19/08/2025 13:55

MovingOn2025 · 19/08/2025 10:57

Anyway, i popped an email to them on Saturday morning. Have not received anything from them from an acknowledgment they received my email to even a follow up phone call!!!

That's poor isn't it! Some estate agents really don't seem to be that bothered about selling houses! Have you seen any other houses that look ok?

MovingOn2025 · 19/08/2025 22:18

There are these others similar on that stretch of road SSTC (obvs don't know for sure what they agreed £)

£115k https://www.zoopla.co.uk/for-sale/details/69895334/

£155k https://www.zoopla.co.uk/for-sale/details/68862447/

£165k https://www.zoopla.co.uk/for-sale/details/69719547/

im going to see the property again tomorrow and taking an experienced friend with me to give me a realistic view on costs and spot any other issues I've not considered

OP posts:
Springadorable · 20/08/2025 05:18

I doubt you'll get any answers from the estate agent, they'll just say to ask your solicitor or get a survey. So assume you'll find out nothing and have to do your own research. Which will also involve hounding your solicitor and trying to persuade them to actually pull their finger out and get on with things.

MovingOn2025 · 20/08/2025 22:14

Update- went to see it again today. Definitely some damp issues and roofing on the kitchen extension needed to be looked at.

Im going to put an offer in. £140k but obvs need a full survey too if accepted. Do you think thats acceptable? Reason for low offer is obvs the work needed to modernise it but also, this one on the same stretch being sold £165k in April 2025 and being ready to move into/no work needed and private garden: https://www.zoopla.co.uk/for-sale/details/69719547/

plus another one a few doors up, sold November 24 at £150k, cant link to it but again nothing major needed doing to it plus private garden

that coop building still being used as well as there was staff inside today

OP posts:
Twiglets1 · 21/08/2025 08:06

MovingOn2025 · 20/08/2025 22:14

Update- went to see it again today. Definitely some damp issues and roofing on the kitchen extension needed to be looked at.

Im going to put an offer in. £140k but obvs need a full survey too if accepted. Do you think thats acceptable? Reason for low offer is obvs the work needed to modernise it but also, this one on the same stretch being sold £165k in April 2025 and being ready to move into/no work needed and private garden: https://www.zoopla.co.uk/for-sale/details/69719547/

plus another one a few doors up, sold November 24 at £150k, cant link to it but again nothing major needed doing to it plus private garden

that coop building still being used as well as there was staff inside today

You can offer what you want.

140k is acceptable but I imagine they are expecting to get at least 150k so won’t accept it. You can only try though and you don’t want to pay more than you’re happy with.

canyon2000 · 21/08/2025 08:31

140k sounds fine. Good luck!

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