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Subject Topic: selling house
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Personwabbey
19/7/2016 at 9:08pm
 Location: Essex
 Outfit: Outwell Casagrande L. View wabbey's Profile View Profile   Reply to wabbey Reply   Quote wabbey Quote  
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well the original buyer pulled out the day after i posted on here due to redundancy, it's ok though because we got a new on the next day.
exchanged yesterday.
boxes, boxes, boxes.
loft shed .....paperback books. 30 year old cd player.....


Personrichardandjo2010
19/7/2016 at 11:10pm
 Location: essex
 Outfit: Swift Challenger 570 View richardandjo2010's Profile View Profile   Reply to richardandjo2010 Reply   Quote richardandjo2010 Quote  
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wish I had all your problems I would just like to own a house theres always someone worse off than yourself

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its our imperfections that makes us perfect


Personwabbey
20/7/2016 at 5:53pm
 Location: Essex
 Outfit: Outwell Casagrande L. View wabbey's Profile View Profile   Reply to wabbey Reply   Quote wabbey Quote  
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it's true that.
houses were expensive even when we started in 1989.
they only just let us have the mortgage and it cost all of one wage and a slice of the other every month.
renting was only a little cheaper.


Personrichardandjo2010
20/7/2016 at 10:34pm
 Location: essex
 Outfit: Swift Challenger 570 View richardandjo2010's Profile View Profile   Reply to richardandjo2010 Reply   Quote richardandjo2010 Quote  
Joined: 21/8/2014

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Well for me I bought my own property in 1988 and its true it was expensive I took two jobs to make ends meet, I met someone who became my wife we had 2 children,and moved to a bigger house. when the marriage broke down in 2008 I left her with the house on the agreement she either sells or buys my share when my youngest is 18. This seemed a good idea at the time but now for me its not, I have 3 years until I get my money I will be 50 this year. My problem is my name is on the mortgage the bank wont remove my name as my ex wifes earnings don't cover the amount outstanding, I don't earn enough to have a 2nd mortgage so I rent my house in 3yrs time I will be 53 so I would only get about a 20yr mortgage with the cost of houses I would never be able to afford to repay over that time so I see myself renting forever more

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its our imperfections that makes us perfect


PersonFrancais
21/7/2016 at 11:14am
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I would thought at 53 the max mortgage you could get would be 13 years, even a modest mortgage over such a short time scale is going to be a lot of money per month, even if you can pass the lenders affordability criteria, I know there has been news of the Banks offering mortgage's for well beyond the state retirement age, but to get such a mortgage you need a dam good private pension in place, and the forecast proof to substantiate it.

Just my thoughts, and I could be well wrong, maybe others know more.


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Personlidds0
21/7/2016 at 5:33pm
 Location: Yorkshire
 Outfit: None Entered View lidds0's Profile View Profile   Reply to lidds0 Reply   Quote lidds0 Quote  
Joined: 24/8/2009

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Quote: Originally posted by richardandjo2010 on 20/7/2016
Well for me I bought my own property in 1988 and its true it was expensive I took two jobs to make ends meet, I met someone who became my wife we had 2 children,and moved to a bigger house. when the marriage broke down in 2008 I left her with the house on the agreement she either sells or buys my share when my youngest is 18. This seemed a good idea at the time but now for me its not, I have 3 years until I get my money I will be 50 this year. My problem is my name is on the mortgage the bank wont remove my name as my ex wifes earnings don't cover the amount outstanding, I don't earn enough to have a 2nd mortgage so I rent my house in 3yrs time I will be 53 so I would only get about a 20yr mortgage with the cost of houses I would never be able to afford to repay over that time so I see myself renting forever more


Well, it's possibly no consolation, but pat yourself on the back for being a good guy and ensuring your kids had a roof over their heads and stability of home for all this time, when it counts.

Lots of blokes aren't so selfless.


Personrichardandjo2010
21/7/2016 at 10:51pm
 Location: essex
 Outfit: Swift Challenger 570 View richardandjo2010's Profile View Profile   Reply to richardandjo2010 Reply   Quote richardandjo2010 Quote  
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Thankyou Lidds I know it was the right thing to do my girls are my everything and houses aren't everything, my father owned his house but has been in care for a few years he passed away last month and now the house has to be sold to pay for the care. he worked hard all his life to pay for it and went without lots of things seems unfair but it happens to so many people.

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its our imperfections that makes us perfect


PersonFrancais
22/7/2016 at 9:26am
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Sorry Richard, I did not read your post correctly, and at the end you explained that getting a mortgage at 53 would be prohibitive in your scenario.

It is plain crazy how house prices have shot up, and wages have not been able to keep up.

The area were we live is mostly stone terraced houses, and these days the "To Let" signs seem to be almost out numbering the "For Sale" signs, what is that all about.

We first bought in 1982 the above houses were between £10k and £15k back then, now they are between £150k and £190k.

I guess interest rates going from 15% down to 2% has not helped, the whole situation is a mess.

Post last edited on 22/07/2016 09:47:08


PersonSGThomas
22/7/2016 at 9:39am
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We are in the strange situation that the house that we own, we could never afford to buy today.

It has risen 22 times the original purchase price and unfortunately my income has not!


Personwabbey
28/7/2016 at 9:58pm
 Location: Essex
 Outfit: Outwell Casagrande L. View wabbey's Profile View Profile   Reply to wabbey Reply   Quote wabbey Quote  
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Well we are in the new place now.
Boxes. We have lots of boxes.


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PersonRonni54
28/7/2016 at 10:21pm
 Location: Shropshire
 Outfit: None Entered View Ronni54's Profile View Profile   Reply to Ronni54 Reply   Quote Ronni54 Quote  
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Quote: Originally posted by wabbey on 28/7/2016
Well we are in the new place now.
Boxes. We have lots of boxes.


I feel for you!! We moved in March after 29 years in the same house. We were lucky in that we bought a Park Home so didn't have to bring much furniture and have oodles of built in cupboards but oh those boxes! My advice would be to empty them as soon as you can because you will feel more settled once they are gone. I have had to rearrange some cupboards since unpacking when I found the best places for things - e g putting the crockery in the cupboard as far as possible away from the dishwasher was not my best idea!

Good luck in your new home.

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Ronni



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