We'll never be able to buy a house!

chocolatechipcookies

izzybusy23 wrote: »

Wow, what a truly encouraging thread.. very compassionate of you. :rolleyes:

Maybe other people's lives haven't gone down that rosy road yet to be able to save up deposits... such as divorce, illness, redundancy, death.. shall I contine???????

Yet another moral high person.

We can all say these things online, he seems like a sad lonely person who just likes to make snarky comments. I should have ignored him, I fed the troll.

Melissa177

chocolatechipcookies wrote: »

I haven't even started my career yet. I need to save some money to get my licence first, I want to be an estate agent. Plus finding a job as an estate agent is hard (well maybe not as hard as I think) because they usually don't advertise. As soon as I can drive, I'm going to write letters to every single estate agent in Hull. My income is very low, but it's a lot higher than any other job I've had. :rolleyes:

Maybe you're jumping the gun a bit too early then - you're only young.

In my experience, all the best jobs aren't advertised. I would put your smartest outfit on, print off a load of your CVs on the best quality paper you can find, and go for a walk around all the EA's in Hull. Being an estate agent requires good people skills, and a potential employer would be impressed by your enthusiasm.

chocolatechipcookies

Melissa177 wrote: »

Maybe you're jumping the gun a bit too early then - you're only young.

In my experience, all the best jobs aren't advertised. I would put your smartest outfit on, print off a load of your CVs on the best quality paper you can find, and go for a walk around all the EA's in Hull. Being an estate agent requires good people skills, and a potential employer would be impressed by your enthusiasm.

That's a good idea. I would like the get my licence first. I'm in pretty good job now (not the best pay but I enjoy it) so I have about 18 months to get my licence. A little bit before my contract ends, I think I will take your advice about dressing really smart (I want to get a new trouser suit) and get some really good paper and go around. I'm really into (city centre) flats and looking at them plus I really help being around people. I think I could sell a flat pretty well. :money:

Melissa177

Do you need a license to be an EA? I didn't know you needed a license....

Maybe Lynzpower can answer that one.

Running_Horse

chocolatechipcookies wrote: »

Even with £60,000 I can only afford to live on a council estate and really bad area of town. I would like to be able to walk out my front door without worrying about getting beaten up. Prices are going up but salaries aren't. Plus you have all of the people buying the nice places so they can rent them. Or property developers buying anything affordable to redo so they're overpriced as well. The thing I hate is that, I can't afford to buy a decent place, so I rent. But if I wanted kids, I'd have to forget about it, nowhere wants children. Pets? Nope, can't have a pet. It's a sucky situation.

Interesting how many of these "I can't afford to buy any house" threads become "I can't afford to buy the house I want in the area I want" threads. On Rightmove there are 66 two bed houses in Hull up to £60,000, and 9 three bed houses. You are incredibly lucky to live in an area where someone on low wages can think about buying a house (try living down here). And what is wrong with living on a council estate? Millions of people do.

Melissa177

I do think that a lot of people who say they "can't afford to buy a house" are generally setting their expectations of what they should be able to afford too high.

A 130K house in Hull is a lot of house (or it's not in Hull).


When you're getting on the property ladder, the idea is to live in a small place that needs doing up and move up the ladder as and when you can afford to.

That said, I'm shocked that there are one bed flats in my home village of Welton (not far from Hull) going for 99K. It's a pretty village, admittedly, but the flat is tiny!

Pobby

mr.broderick wrote: »

You're going to need a 75% crash Don't rule it out though could happen

Hmmm,interesting,a 75% crash.Can`t see it myself but would be interested in your reasoning.

oasisfeverish

before_hollywood wrote: »

so do i mate, this country was just fine till blair got in then the housing market got crazy and us ftb's got f****d over big time

I don't think you can blame Blair or any other PM come to think of it.

It's the general public that are to blame, yes all of us.

We decided to buy properties.
We decide to extend our existing property rather than move and free up 1/2 bed starter homes for FTBs.
We decide to buy properties to rent out and secure ours or our childrens futures with income or investment or roof over our childrens heads.
We decide how hard we worked and learnt in school to gain qualifications.
We decide what job path we want to get into.
We decide how far up the career the ladder we want to achieve.
We decide how we spend our money each month.
We decide if we choose to take out a loan or credit card.
We decide if we need extra money to take on a second job.

It is me, you and every person alive that is to blame for the current situation, and whilst I fear for the current state, I fear more for my yet to be born children.

At 14 (1984) I decided I wanted to work in a bank for a cheap mortgage. My 4th year options (yes remember those) reflected the qualifications I thought I would need to gain employment there. 17 I started working in a bank, had to wait to either a certain grade or 5 years employment before cheap mortgage. At 21 I bought my first (and current) house, maxing my and my then gf salary to the hilt.

After household bills we had only £250 between us to pay for car ins each, travel, food and sundries per month. For the first year my mum gave us two carrier bags full of shopping each week to help out. We struggled big time whilst remember rates were 12% not 5.75%.

15 years down the line and my then house bought for 62k is now valued at 200k as we are about to move. Yes I am lucky to be in the current situation to have equity and move up, but 15 years ago I was in the same boat of every FTB. Plus I have to now move further out of London and the SE to afford a new bigger home as we need the space, and prices where I currently am I cannot afford the next step.

Every one has a right to have a roof of their head, but to own that roof takes hard work and determination, not a given right.

This isn't a dig at anyone specific, but everyone wants to be in a nice area with a nice home and nice neighbours, but it doesn't always work like that, if you want to get on the ladder accept that it may not be ideal first off, but at least you are on it.

Good luck to everyone, with hard work, determination and help from these MSE boards, you will get there, maybe not as quick as you want but you will get there.

Turnbull2000

I'm sorry oasisfeverish, but that's a load of patronising b*llocks.

15 years down the line and my then house bought for 62k is now valued at 200k as we are about to move. Yes I am lucky to be in the current situation to have equity and move up, but 15 years ago I was in the same boat of every FTB. Plus I have to now move further out of London and the SE to afford a new bigger home as we need the space, and prices where I currently am I cannot afford the next step.

And I think you've put your foot in it with that comment.

oasisfeverish

Turnbull2000 wrote: »

I'm sorry oasisfeverish, but that's a load of patronising b*llocks.

If I was a FTB now and someone said what I said to me, I would think the same, but then looking deeping rather than on the surface of the comment, I would see that I only had myself to blame for not doing something about it and working my butt off to get on that ladder. It can be done, otherwise no one would ever own their own home.

turnbull2000 wrote: »

And I think you've put your foot in it with that comment.

How? It you make a comment or statment you need to back it up with your reasonning.

Gladly happy to hear another side of it, and some background to your current situ?