Just viewed a house :-/

[villa_tom]

It might come back on the market, but you've done the right thing not paying the asking for it

Id never pay the asking price mate. It needs a new kitchen, bathroom and general tidy up, got to be looking at 5-8k to get it to my standard.

 

[Whn1]

Id never pay the asking price mate. It needs a new kitchen, bathroom and general tidy up, got to be looking at 5-8k to get it to my standard.

I know a good plumber if you need one.

 

[Destroyer2813]

I know a good plumber if you need one.

And can get you some good prices on some Amazon stuff

 

[PlumbBobBob]

And can get you some good prices on some Amazon stuff

ouch!

 

[stevetheplumber]

i think its a gut instinct thing when you walk in to the right house youll know instantly the house weve been in for 25 years was clean and sparkling but decorated and furnished like an office building but we both walked out and instantly said yes we want that one and its been a great home for us

 

[Destroyer2813]

Did u put a offer in then tom?, how hard was it getting a mortgage being self employed

 

[villa_tom]

Did u put a offer in then tom?, how hard was it getting a mortgage being self employed

I offerer end a few times but got outbid. The other party offered asking price so I let left them to it. I wasn't going to offer over the odds.

Getting a mortgage was easy to be honest. You need a bigger deposit being SE, and you need 3 years worth of accounts too.

I used an advisor and she's great, so I told her my particulars and she did everything else

 

[Destroyer2813]

Cool in same position as you got meeting next thursday to get proper figure as to what can borrow

 

[villa_tom]

Cool in same position as you got meeting next thursday to get proper figure as to what can borrow

They based my mortgage only on my latest accounts (2012/2013). Some places take an average over the latest 3 years of trading, but the mortgage advisor found me a place that would base my mortgage on my latest accounts as long on my profit increased every year over last three years.

It has been one of the most confusing things I have ever done, but it'll be worth it in the end.

Ive currently been offered a mortgage of 140k repaid @ £606 a month, this is with a deposit of 30k, however if my deposit rises I can get larger mortgages at better rates.

As I'm being quite fussy with what I want, my deposit will increase, so the chances are that by the time I've found a property ill have a better mortgage on offer.

I haven't really paid much attention to all the figures lately as it literally gives me a headache.

But I know I am ready to move should the chance arise and I know I can currently look at properties up to 170k.

 

[on31ll]

They based my mortgage only on my latest accounts (2012/2013). Some places take an average over the latest 3 years of trading, but the mortgage advisor found me a place that would base my mortgage on my latest accounts as long on my profit increased every year over last three years.

It has been one of the most confusing things I have ever done, but it'll be worth it in the end.

Ive currently been offered a mortgage of 140k repaid @ £606 a month, this is with a deposit of 30k, however if my deposit rises I can get larger mortgages at better rates.

As I'm being quite fussy with what I want, my deposit will increase, so the chances are that by the time I've found a property ill have a better mortgage on offer.

I haven't really paid much attention to all the figures lately as it literally gives me a headache.

But I know I am ready to move should the chance arise and I know I can currently look at properties up to 170k.

my head hurts