Have a deposit.. Still sturggling to afford to buy?

Dan-Dan

Ground floor flats , if poorly built , will suffer badly from noise , even more so if your near the communal door

Jhoney_2

Is the car essential (for journey to work)? Is it possible to move further out and use local/public transport/cycle?

I have no idea, but perhaps that is the best type of compromise for you.

Lala2015

Jhoney wrote: »

Is the car essential (for journey to work)? Is it possible to move further out and use local/public transport/cycle?

I have no idea, but perhaps that is the best type of compromise for you.

I'm afraid so - It takes me just under 30 mins a day to drive to work and costs next to nothing on fuel (I've since changed my car and have a fiat which I only fill up once a month!)

libf

Lala2015 wrote: »

Hi AndyT678,


Not really... I'm just being sensible.
After having a cat lose it's life when living in a high level apartment and now living on a ground floor with a private garden, I think it's best all round.


Much safer for him and a small comfort for me a) knowing he's not going to jump out of a window and b) having somewhere for me to retreat to when I'm fed up of being indoors due to scrimping and saving.


Generally, when speaking to a whole range of people, the impression I receive is that first time home buyers don't really have much of a choice.
Whilst I understand this and we have to prioritise, after spending such a huge amount of money I've saved years for, from working hard and making scarifies, a small garden and a shack that isn't falling apart isn't too much to ask I don't think).:D

Keep your windows closed, or secure them on child locks or with netting, and keep kitty inside. Make use of parks when you need outside space yourself, or maybe find a flat with a balcony.

(2 kitties in a 1 bed flat with a balcony here. )

hohum

Is buying the answer? I'd focus on getting your deposit working for you and finding somewhere nice to live that works for you. How long do you want to be in your job? Your circumstances could change a lot in the next few years. I say get yourself a place you can work with now, and if that means renting for longer then rent. Ask yourself why you want to 'get on the property ladder'. Is about security? Freedom? Being a grown up? Because you can achieve desired outcomes without being a house owner.

Lala2015

hohum wrote: »

Is buying the answer? I'd focus on getting your deposit working for you and finding somewhere nice to live that works for you. How long do you want to be in your job? Your circumstances could change a lot in the next few years. I say get yourself a place you can work with now, and if that means renting for longer then rent. Ask yourself why you want to 'get on the property ladder'. Is about security? Freedom? Being a grown up? Because you can achieve desired outcomes without being a house owner.

Hi Hohum,

Nope, none of those reasons.
I want to buy my own place because after years of saving so much (well, it's a lot to me!) and for so long and having given up opportunities in order to save as much as I have, I want something to show for it.
I hate the fact that I'm paying someone's mortgage, can't make any changes/improvements or really settle... because it's just not mine.
As I've said before, it wasn't my choice to move out of my parent's and I don't have the option of moving back home.
I think it's about time I have something to show for my efforts, that's all

Cheeky_Monkey

Your reason is perfectly understandable.

However, if you're not prepared to compromise at all then I think you'll be paying someone else's mortgage for them for some time to come.

KiKi

Then you may need to consider buying further out but which is cheaper so that commuting a further distance doesn't matter.

Equally, you might not like the idea of a London commute, but the salaries may well be worth it. Or a new job along a local train line. Ultimately, if you can't afford what you want where you are, then you'll have to compromise.

KiKi

Lala2015

Cheeky_Monkey wrote: »

Your reason is perfectly understandable.

However, if you're not prepared to compromise at all then I think you'll be paying someone else's mortgage for them for some time to come.

Completely understand - But I am compromising...I just would prefer certain things.

AdrianC

Lala2015 wrote: »

Completely understand - But I am compromising...I just would prefer certain things.

<points upwards>
I'm not sure if you noticed the post where I gave you an RM link containing 42 garden flats within 15 miles of Leatherhead, 92 within 20, and a rather nice little ground floor flat in the middle of Leatherhead itself albeit without garden...