Affordable Housing

Graham_Devon

No champagne tastes here.

However, please remember the scottish system if you are going to use window prices to prove a point.

Isn't it 10% over asking price? You'd know better than myself.

Please also remember that to call something decent, it has to be decent. You should know all about this, considering you yourself didn't want what you could afford when starting out, i.e. a flat, so went to mum and dad to get something better.

Theres absolutely no point calling that first property decent. It isn't. It's some kind of cardboard construction, terraced place, where the roof slate are directly above the ceiling. It will be uneconomical to heat, noisy, and basically, cr*p. You've even had to point out they are eligible for mortgages, so I think this proves my point....you know they are pretty shabby.

100k for that, is not cheap, not in anyones books.

kabayiri

HAMISH_MCTAVISH wrote: »

Unless you have champagne taste on a beer budget.....:cool:

Isn't the whole MSE ethos, the idea that you can stretch your money further?

This would imply that careful planning; patience; luck; and opportunism may pay dividends.

Suppose house prices do tank, and I use the opportunity to use savings to trade up for much less than I could today. Is that to be decried?

I think it's just being opportunistic, and yes lucky.

It doesn't make me a bear. I just try and position myself to cope with changing opportunities.

Graham_Devon

HAMISH_MCTAVISH wrote: »

http://www-t.aspc.co.uk/cgi-bin/public/LiveProperty/281340?ID=FMALADDC#picture

No problems with this, but it's 40k more expensive!

Or a flat in a period property for 50K..... Needs redecorating but perfectly livable.
http://www-t.aspc.co.uk/cgi-bin/public/LiveProperty/282050?ID=FMALADDC#picture

Lovely...

Or an ex local authority traditional 3 bed terrace for 95K....

http://www-t.aspc.co.uk/cgi-bin/public/LiveProperty/276203?ID=FMALADDC#picture

This is another portacabin.

Or a recently renovated early 1900's traditional terrace for 120K.

http://www-t.aspc.co.uk/cgi-bin/public/LiveProperty/281061?ID=FMALADDC#picture

Again no problem, but again 120k, which is fine, but nothing like what you started out with.

Or a 4 bed semi for 140K......

http://www-t.aspc.co.uk/cgi-bin/public/LiveProperty/282457?ID=FMALADDC#picture

Again, it's just a house. How far are all these from Aberdeen?

HAMISH_MCTAVISH

Graham_Devon wrote: »

Thank you for pointing ou some more properties OUTSIDE of Aberdeen.

Yes Graham, I mentioned clearly they are all within an easy commute of Aberdeen.

So are all of those properties unliveable in your book? Or do the shared equity houses in Devon look like Buckingham palace....

kabayiri

ExploitationIsFun wrote: »

*Sigh*

When will people start understand that Scotland/North England/Central England/Farm areas DO NOT count as decent (or nice enough) areas to actually live a proper normal life in!
They are cheap, tacky, rural and rundown areas and/or farm areas, and that is why they are so ridiculously cheap to live in!
.

I was going to challenge this comment, but then I noticed the words 'DO NOT'. These words were not only in CAPS but also highlighted in bold.

According to forumnomics this makes something doubly true.

Curses....;)

HAMISH_MCTAVISH

Graham_Devon wrote: »

How far are all these from Aberdeen?

35 minutes to the city centre, easy drive on a dual carriageway. More like 25 minutes to the industrial estates on the outskirts.

Graham_Devon

HAMISH_MCTAVISH wrote: »

Yes Graham, I mentioned clearly they are all within an easy commute of Aberdeen.

So are all of those properties unliveable in your book? Or do the shared equity houses in Devon look like Buckingham palace....

I just don't know what your point is.

You have told us that there is affordable properties out there, used the window price, ignoring the "offers over" system, and shown us some portacabin type construction buildings, and described them as decent.

When picked up on their construction, you show us some houses with a window price 30-50k more expensive.

Graham_Devon

HAMISH_MCTAVISH wrote: »

35 minutes to the city centre, easy drive on a dual carriageway. More like 25 minutes to the industrial estates on the outskirts.

Yer, I did it myself on mutlimap. Again, your easy commuting, actually turns out to be 80 miles a day. And your travelling time of 35 mins actually turns out to be an hour.

Brechin to Aberdeen


Distance: 39.93 miles, about 1 hours 1 mins

In other words, it's not "easy commuting distance" it's quite some way. It's not decent, it's rubbish, though at least it's eligible for a mortgage, whoopie! And you have proven you cn find nicer houses for more money.

Yep, I'm confused as to your point.

HAMISH_MCTAVISH

Graham_Devon wrote: »

I just don't know what your point is.

No, Mr Muddle, you never do.

You have told us that there is affordable properties out there, used the window price, ignoring the "offers over" system, and shown us some portacabin type construction buildings, and described them as decent.

They are NOT portacabins, they are timber framed houses, ex government.

When picked up on their construction, you show us some houses with a window price 30-50k more expensive.

And also detached or semi-detached versus terraced.

For the love of God Graham, stop obfuscating and discuss the issues.

Forget about the terraced ones if it makes you feel better, how about the detached and semi-detached (which are naturally more expensive than a terraced).

Add 10% for offers over if it makes you feel better, you're still talking a 4 bed semi for around 150K. And the typical FTB shouldn't need a 4 bed semi..... That should be a second house, after building equity.

HAMISH_MCTAVISH

Graham_Devon wrote: »

In other words, it's not "easy commuting distance" it's quite some way.

Graham, you're an idiot if you think 39 miles on a 70mph dual carriageway is anything other than an easy commute.