Have posted on here before about houses and stuff. We have never bought as we have never been able to. Have now the opportunity with a key worker scheme (know other teachers who have done it and it seems a good one). We had seen a house here in the area we live. It is a v. desirable area - good schools, and we want to stay here. The house is in a crescent of council houses and is on the market for £165,000. We are only able to spend £155,000 and don't want to spend that much at all. It is a lovely house, 3 bedrooms and more importantly has double glazing and central heating! Things that we probably wouldn't be able to afford to install ourselves in the future. There is planning permission to extend into the loft, there is a fab garden and space for 2 cars at the front of the house. It has a nice feel about it. We had decided to wait til next year - hopefully prices will keep dropping - but the estate agent rang us today and basically said that the owner would take a substantially lower price than it is on the market for. She is going to rent it out i think for 6 months if she doesn't sell very soon. She has had to move away for her job. If you were going to make an offer now, what would it be? Or should we just wait, wait, wait?
Hubby is going to be earning a bit less next year - works for a car company who have already given their staff a 4 day week for a few months so maybe we should just wait. Sorry this is so long, i just have never bought a house before and really have no idea of what to do.