Affordable Housing

Graham_Devon

HAMISH_MCTAVISH wrote: »

No, Mr Muddle, you never do.



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



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.

Here we go with the Mr Muddle stuff, simply because I have picked you up on a few things. So talking directly about the houses you are using, is obfuscating and not discussing the issues?! How could I talk anymore about the issues!? I have responded to every single house in seperate quotes!!

So, what we really have, is a couple of timber framed houses, whereby the window frames are actually thicker than the walls, 40 miles from Aberdeen, with a commute of 2 hours a day, all for 100k.

But were supposed to ignore them now, and look at the 4 bed, of which, 140k will actually turn into 154k.

The point, was, I believe, affordability, right? Or am I obfuscating here and turning in to Mr Muddle.

Yes, it's affordable, if you have a 40k (25%) deposit and want to pay over £600 a month in repayments, for living within easy access (40 miles) of Aberdeen.

I'm pretty sure you don't like me picking up on the flaws in your argument, so feel free to call me mr muddle, or feel free to tell me what your actual point was!?

If you like, I can show you that a mobile home is affordable in Devon, 45 miles from where the work is.

HAMISH_MCTAVISH wrote: »

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

Well I'll live with being an idiot then. What's a difficult commute to you? 150-200 miles!?

It's not just time is it. It's fuel too. Remember? You'll get through a tank a week just to get to work. So add £200 a month to your affordability. No point in just ignoring it.

HAMISH_MCTAVISH

Graham_Devon wrote: »

The point, was, I believe, affordability, right?

Finally....

Yes, it's affordable, if you have a 40k (25%) deposit and want to pay over £600 a month in repayments, for living within easy access (40 miles) of Aberdeen.

In fairness Graham, you could live in the middle of any city and it take you 30 minutes to an hour to get across it in rush hour.

But multi-map is wrong on this one, it doesn't take an hour. I drive that road several times a week, and it takes no more than 45 minutes in bad weather/traffic, 35 minutes normally.

I'm pretty sure you don't like me picking up on the flaws in your argument, so feel free to call me mr muddle, or feel free to tell me what your actual point was!?

You're not picking me up on flaws, you're being pedantic to distract from the point.

Which is that reasonable housing is available within a reasonable commute of most major employment hubs in the UK, for a reasonable cost.

A one bed flat for under 60K (even including your 10% uplift) is just not expensive.

Just to humour you, what do you think is reasonable Graham? What combination of house size/price/distance do you think is OK?

Graham_Devon

HAMISH_MCTAVISH wrote: »

In fairness Graham, you could live in the middle of any city and it take you 30 minutes to an hour to get across it in rush hour.

First this....and then by some sort of miricle...

But multi-map is wrong on this one, it doesn't take an hour. I drive that road several times a week, and it takes no more than 45 minutes in bad weather/traffic, 35 minutes normally.

This!

It stands to reason Hamish that if living IN the city can take 30 mins to an hour to get across it, living outside the city, where you have probably 30 miles to the city, is going to take you longer....you still have to get across and through it. Jeez.

You're not picking me up on flaws, you're being pedantic to distract from the point.

I'm discussing the point!! You only call it distracting from it as you really don't like it.

Which is that reasonable housing is available within a reasonable commute of most major employment hubs in the UK, for a reasonable cost.

A one bed flat for under 60K (even including your 10% uplift) is just not expensive.

Wel then you should have used this reasonable housing with a reasonable commute from the outset. Instead you have used portcabin type construction (portacabins are timber framed by the way, same as your houses), 40 miles away, using the offer price, which won't be the price you pay.

And for picking up on those point, which, obviously you hate me doing, have basically told me I'm not talking about the subject.

Face it, the houses were rubbish, a long way from Aberdeen, and weren't really all that affordable in the first place. They were simply cheaper than elsewhere. And I should think so to, for what they are.

And after all of that, were now back to the 1 bed flat, in need of renovation to prove affordability. Give me strength.

dopester

Graham_Devon wrote: »

It's not just time is it. It's fuel too. Remember? You'll get through a tank a week just to get to work. So add £200 a month to your affordability. No point in just ignoring it.

And £600 a year if this applies, which I think it does, and if it's on top of council tax (if they have that in Scotland).

Edzell Woods is a privately run estate by a contracted factor which maintains the roads, services, lighting etc within the estate at a charge of approximately ?25 per month, in addition to, the private sewage plant maintenance is an additional charge of approximately ?25 per month.

Graham_Devon

dopester wrote: »

And £600 a year if this applies, which I think it does, and if it's on top of council tax (if they have that in Scotland).

Careful, you'll get told off for not discussing the issue.

HAMISH_MCTAVISH

OK, just to humour any of you that feel like discussing this seriously, what do you think is reasonable?

What combination of house size/price/distance do you think is OK?

Graham_Devon

HAMISH_MCTAVISH wrote: »

OK, just to humour any of you that feel like discussing this seriously

Actually, you know what, I really can't be bothered.

Discussing seriously, to you, appears to be ignoring the other mandatory costs of the house, ignoring the costs of commuting, ignoring the "offers over" system, and after all that, reverting to a 1 bed flat (originally talking about a 3 bed house) in need of renovation...then telling anyone else they are not discussing the real issues.

You can't flog a dead horse Hamish. Yes it's cheapish housing. But that's about the end of it.

dopester

HAMISH_MCTAVISH wrote: »

OK, just to humour any of you that feel like discussing this seriously, what do you think is reasonable?

What combination of house size/price/distance do you think is OK?

It's a good question. It's something I've not fully decided upon to be honest.

However 40 miles each way is too much for me, even if the roads aren't as congested as around here.

HAMISH_MCTAVISH

dopester wrote: »

It's a good question. It's something I've not fully decided upon to be honest.

It would be interesting to explore further though, as much of the frustration "the bulls" feel is that many posters seem to expect to live in nice houses in the best areas, 5 minutes from well paid jobs, on average or below average wages. Which seems to us to be a wholly unrealistic expectation.

However 40 miles each way is too much for me, even if the roads aren't as congested as around here.

Fair enough. I don't have a problem with it, the scenery up here is stunning, the road is good, traffic is very light by South East standards, and I find that sort of thing relaxing. But to each their own I suppose.

I do find it surprising that from various conversations in the past on these boards, many people who would think nothing of commuting 45 mins to 1 hour each way by tube/bus/rail in London/SE feel driving the same time is unreasonable.

I find the driving to be much more relaxing and productive, I can catch up on news, listen to podcasts, speak to my colleagues by phone about the days business, etc.

And of course it's efficient, as it's door to door with most companies up here providing plentiful free parking. There is no extra 10-15 mins to walk to the station/destination at each end of the commute.

But maybe that's just me....

wageslave

Bliddy hell what a lot of southern snobbery there is on this board at times.

Ok, the house Hamish linked to isn't the prettiest I have ever seen and I imagine you can hear your neighbours watching Corrie of an evening (just like most of the posh apartments down sarf) but it is a decently priced starter home for a young family needing a roof over their heads.

I for one would be quite happy to move into it rather than gift my cash to a fat landlord