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Old 12 November 2013 | 09:52 PM
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Originally Posted by Dingdongler
Only whilst he's waiting for the paint job to dry on his new personal jet.

Originally Posted by Aaron1978
Does he come on this

No, I come on Ding
Old 12 November 2013 | 10:47 PM
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Originally Posted by zip106
No, I come on Ding
PMSL! That is funny!
Old 12 November 2013 | 11:47 PM
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Buy a barge man,honestly much less hassle - No neighbours

Also you'll be bucking the capitalist dream
Old 13 November 2013 | 06:14 PM
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I looked at a couple of houses today, both period terraces. Typical FTB'er properties in my area. One was tiny, stunk of cats ****, very small, had had a dodgy survey, but great location, will avoid. Other was great - being a bit bigger - but reeked of cig smoke - it had only just gone up for sale but I noticed three other people viewing it when I was there. The market is really busy right now.
Old 13 November 2013 | 06:30 PM
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It's busy because of the 5% scheme that's going on, not that it was that quiet before IMO.
Old 13 November 2013 | 06:31 PM
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Oh sorry me no spekin englis....
Old 13 November 2013 | 06:36 PM
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Originally Posted by bustaMOVEs
It's busy because of the 5% scheme that's going on, not that it was that quiet before IMO.
Yeah I think you are correct of course but then otoh for my price target (ish) of 250k it would mean some people getting the 12.5k (5%) help from the state, but still needing a considerable mortgage. I mean if you can't save up 12.5k how can you afford to borrow almost 250k?
Old 13 November 2013 | 07:25 PM
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Is the 3 x your annual wage rule still in place for getting a mortgage ?
Old 13 November 2013 | 07:28 PM
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250k for a terraced house, so glad I bought years ago, you may as well continue renting as there's no point owning a house in your situation.

AND you'll be able to follow the whitey's at a months notice when the darkies come a calling.
Old 13 November 2013 | 07:35 PM
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TDW is looking in a very select area of Manchester dontcha know?

I would prefer to buy something a bit further out,twice the floorspace and drive an extra 10 mins..
Old 13 November 2013 | 07:38 PM
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Originally Posted by fatscoobfella1
Is the 3 x your annual wage rule still in place for getting a mortgage ?
I think they tend to look at 'affordability' now, but HSBC said that 3.5 x wage was a good guide assuming good credit history.
Old 13 November 2013 | 07:39 PM
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Originally Posted by fatscoobfella1
Is the 3 x your annual wage rule still in place for getting a mortgage ?
I'm guessing this went out in the last century
Old 13 November 2013 | 07:41 PM
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Originally Posted by fatscoobfella1
TDW is looking in a very select area of Manchester dontcha know?

I would prefer to buy something a bit further out,twice the floorspace and drive an extra 10 mins..
Not sure I fancy a semi in suburbia to be honest.
Old 13 November 2013 | 07:41 PM
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Originally Posted by zip106
No, I come on Ding

There's always one who just doesn't know when the joke has gone too far










Old 13 November 2013 | 07:42 PM
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Originally Posted by ditchmyster
250k for a terraced house, so glad I bought years ago, you may as well continue renting as there's no point owning a house in your situation.

AND you'll be able to follow the whitey's at a months notice when the darkies come a calling.
Well my monthly mortgage payements if I buy will be cheaper than renting.
Old 13 November 2013 | 07:43 PM
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Sounds like a £1000 a month mortgage though ??

We are thinking of moving and we havent had a mortgage for 7 years since we paid off our current property,just wondering how it all worked now ?
Old 13 November 2013 | 07:44 PM
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Originally Posted by tony de wonderful
Not sure I fancy a semi in suburbia to be honest.

Me neither.....But surely where you live is suburbia...no ?
Old 13 November 2013 | 07:51 PM
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Originally Posted by fatscoobfella1
Me neither.....But surely where you live is suburbia...no ?
Hmm maybe. I'm talking about Hale and Altrincham (do you know these places). Hale is mega expensive. I wouldn't call the terraces in Hale, 'suburbia', since they are kind of centered around Hale itself. Go to Timperley and buy a semi for the same price and yes it is suburbia to me. Suburbia is just some places with houses and roads.
Old 13 November 2013 | 07:52 PM
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Originally Posted by fatscoobfella1
Sounds like a £1000 a month mortgage though ??

We are thinking of moving and we havent had a mortgage for 7 years since we paid off our current property,just wondering how it all worked now ?
I'm a FTB'er so not that much clue how it works. I have at least 50% deposit so mortgage won't be so big.
Old 13 November 2013 | 07:58 PM
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Originally Posted by tony de wonderful
I'm a FTB'er so not that much clue how it works. I have at least 50% deposit so mortgage won't be so big.
I think you need to have a chat with a "GOOD" financial advisor, with that sort of capital i'd take a serious look at your options.
Old 13 November 2013 | 08:01 PM
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Yea,i do know Hale and Altrincham..... Hale is nice,but too close to Wythenshawe for me..

I would be trying to head over to Ashley,Mobberley way...

I dont know the official definition of suburbs,but rows of terraces and Barratt style estates are what my mind comes up with..

Victorian terraces can be gorgeous.....I wouldnt live on a new build housing estate if it was free.What a depressing way to spend your life..
Old 13 November 2013 | 08:03 PM
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Originally Posted by ditchmyster
I think you need to have a chat with a "GOOD" financial advisor, with that sort of capital i'd take a serious look at your options.
Ah it's small fry by SN standards.

I only half joke, seriously it just about allows to (hopefully) buy a small house...in what is sure a desirable area (outside London of course). I don't want a mega mortgage I know that, just something manageable that I can clear in 5 years.
Old 13 November 2013 | 08:06 PM
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Originally Posted by fatscoobfella1
Yea,i do know Hale and Altrincham..... Hale is nice,but too close to Wythenshawe for me..

I would be trying to head over to Ashley,Mobberley way...

I dont know the official definition of suburbs,but rows of terraces and Barratt style estates are what my mind comes up with..

Victorian terraces can be gorgeous.....I wouldnt live on a new build housing estate if it was free.What a depressing way to spend your life..
Yeah parts of Altrincham can get a bit close to Wythenshawe, one reason I'd avoid Timperley (not west Timperley so much though).

Some stuff does come up Ashley and Mobberly way, but I'd bit lonely stuck out there on my own (being single) having to drive everywhere.

Hale is full of douche bags driving Range Rover sports, but it does have some life going on at least.
Old 13 November 2013 | 08:14 PM
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Originally Posted by tony de wonderful
Ah it's small fry by SN standards.

I only half joke, seriously it just about allows to (hopefully) buy a small house...in what is sure a desirable area (outside London of course). I don't want a mega mortgage I know that, just something manageable that I can clear in 5 years.
Yeah this place is full of billionaire scooby drivers.

If you'll be able to pay it off in 5yrs then that's ok, but I still question WHY buy if you don't have a family?

Cash is king ATM and the freedom to go anywhere in the world at a moments notice has got to be a bonus.

I'd look at thailand, sucky fcuky 10 dorah.
Old 13 November 2013 | 08:16 PM
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Just had a flick through rightmove and you could get into Alderley edge and surrounding area's for the kinda money you wanna spend.At least out of the flightpath..

Dont worry about being lonely....lol... Moving to a new area and getting out and about is brilliant...Not seeing the same old faces is a good thing.
Old 13 November 2013 | 08:23 PM
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Not sure I would buy a typical house in your area presently. Looks overvalued and vulnerable to me. Depressing maybe, but looks the wrong time and in the wrong area.
Old 13 November 2013 | 08:29 PM
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Originally Posted by john banks
Not sure I would buy a typical house in your area presently. Looks overvalued and vulnerable to me. Depressing maybe, but looks the wrong time and in the wrong area.
It's certainly not a great investment opportunity but it's the right time personally to buy a house and I'm not leveraging myself much...very manageable even if interest rates go up to 'normal' levels. But I know what you mean and it is very annoying. I was talking to a mate recently and telling him I was basically being shaken out of the tree. Do I want to rent for another 5 or 10 years? Not really.
Old 13 November 2013 | 08:30 PM
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Can't really understand why someone would want to buy a house up north as you will end up with filthy northerners as neighbours...
Old 13 November 2013 | 08:34 PM
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Originally Posted by fatscoobfella1
Y
Victorian terraces can be gorgeous.....I wouldnt live on a new build housing estate if it was free.What a depressing way to spend your life..
Yeah exactly. I loath new build homes and most semis are very depressing unless built prior to the war and even then aren't great. I certainly couldn't live in a 70's or 80's house. Most of the victorian terraces are excellent build quality although some of the oldest ones can be a bit ropey now.
Old 13 November 2013 | 09:24 PM
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Originally Posted by tony de wonderful
Hmm maybe. I'm talking about Hale and Altrincham (do you know these places). Hale is mega expensive. I wouldn't call the terraces in Hale, 'suburbia', since they are kind of centered around Hale itself. Go to Timperley and buy a semi for the same price and yes it is suburbia to me. Suburbia is just some places with houses and roads.
Then go to sale, ya gets me blad


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