Buying A Home Or Private Renting? Which Is The Best Option?

fairy_lights

When are you going home, Ann?
Have you shown your new GP or former case worker and of the threads you've posted on here? I think it might be a good idea if you did, as it would help show them how vulnerable you are at the moment which might help in getting you referred back to support services.
Are you on speaking terms with your sisters again now?

System

Private renting is definitely NOT the right thing to do.

Buying a place would work if I get the right property.

If it were my choice I would buy a place in one of the nearby towns in Essex because I know knows areas. I have lived in Essex all of my life.

But unfortunately properties there are from 150k to 200k upwards at least. And that's not what I can afford.
I won't get a flat or a house for 50k anywhere in the South of England.

The only place I would get that is up North or in Liverpool.
But there is no point in me buying a place here in Liverpool or the North because I don't want to move here.

Even if the HA did give me a flat up here I would not be happy here.
As I have found out Liverpool is not what I thought it would be.
It is not the right place for me and it would be the wrong move.

So I am not going to move up here. Liverpool is just a holiday for me.
That's all.

There is nothing wrong with me going on holidays. The premier Inns are good hotels so I am safe here.

Manchester and Liverpool are interesting places to visit and I have enjoyed the holiday. But they are no good to live.

altojack

After what we discussed, several times, you've now found out for yourself that Liverpool isn't the place for you.

Now come on home, don't bother with Manchester you won't find anything there either.

Just get a train ticket back home please annbarbs then we can talk some more. Your GP will be very interested in your travels xx

getmore4less

annbarbs wrote: »

Private renting is definitely NOT the right thing to do.

Buying a place would work if I get the right property.

There is the problem.

I do not think you can do that without help, currently you do not have that help.

System

getmore4less wrote: »

There is the problem.

I do not think you can do that without help, currently you do not have that help.

No I don't have any any experience at all with buying a property.
I don't know the first think about it.

So if I was going to do it I would need to get myself a solicitor both to give advice and to help me with this.
I have been told from the people I have spoken to mostly the taxi drivers at my local Taxi Rank back home.

And by the woman in the Launderette who I talk to back home.
That I would have to get myself a solicitor anyway if I was buying.
Both to do the legal work and to transfer the sale and ownership of the house or flat over to me.

Many solicitors also have their own property surveyors who can inspect the property for it's condition. I have read.

But I would have to get a solicitor up here in Liverpool because a Solicitor in London is not going to know anything about properties up here.

So that would mean more trips to the North and stays in hotels.
As I said I know nothing about buying a property.
I have no experience with this at all.
I did not even know what a mortgage was until the members on here told me.

But I won't get a mortgage because I am not working.

Some members here told me on another thread I posted here told me - A mortgage is where you ask the bank or a bank to lend you the money for the cost of the flat or house you want to buy.

And you have to pay back that money in monthly installments for a long period of about 25 years.
The same as you would do if you take out a bank load.
(Although loans are paid back in shorter periods of a few years.)

But my inheritance is not going to last me 25 years.
And Housing Benefit told me they do not pay mortgages or ground rent.

So I would not get a mortgage and would not be able to afford it when my inheritance runs out.

And I am restricted to what I can buy because I don't have enough capital to afford anything too expensive.

And if it was a flat with ground rent.
The ground rent would have to be very cheap.

Because HB won't pay the ground rent when my savings run out and I have to go back on full benefits again.

The thing that worries me is that an estate agent might con me and sell me a property that appears to be all right when I view it.

But has a lot of repairs that need doing or is run down. And I won't know that until I have bought it or moved in. Because the estate agent never told me or was dishonest with me.

So I would need to get help from a solicitor if I was going to do this.

I am in Manchester now my stay here in Manchester has been booked and paid for until Tuesday.

The Premir Inn I am staying in now is better than the ones I was in in Liverpool.

I have been to Manchester may times before the same as I have Liverpool. So the staff in this hotel know me because I have stayed here a lot in the past.

But I should not tell anyone here about my inheritace. There is no need for me to tell any of the staff here that.

I made that mistake in the Liverpool Premir Inn by telling the 2 cleaners.

I did not trust them as those 2 cleaners seemed too good to be true.

They were being over friendly with me, saying they would help me find a place and all that.

And they did knock on my door to chat to me.

It did not feel right.
Call it gut instinct but I am sure those cleaners might have been after my money.

And they might have been trying to steal something from me.
Because I told them my story and about the inheritance.
And I told them I have MH problems which I should not have done.

That's why I did not leave my money and mobile phones in my room. And I locked my laptop up in my padlocked bags and put a password on it.
Because I did't trust those cleaners.

And the room I had at the Liverpool hotel did have a bath but because it was a disabled room.
The bath was very low so I could not fill it up too much because the bath would overflow onto the floor when I did.

The Liverpool Premir Inn is also a very old building and listed. So it does not have double glazing on the windows or anything like that.

And it is a long way to walk to the city center from there. And there are never any taxis on the ranks.
And there are no buses there.

So it is not very central.
It is out of the way.

So not a very good location if you want to be near the Liverpool underground or the shops in the city center.

One member of the reception staff was not very nice to me.
And the other reception staff did not give me any time to talk.

But then the part of Liverpool where the hotels was, is in the hub of the tourist part of the city so it is a very busy hotel.
There are always queues of people a mile long to at the reception desk. So you can see how busy it is.

But this hotel in Manchester is much better.
The staff seem to be much nicer and more friendly than the last hotel I was in.

This one is a much more modern building that they have refurbished recently. With double glazed windows.

And better staff.

And I have a nicer room a proper room with a nice deep bath not a disabled one.

So it is much nicer here than in the last hotel.
At the last hotel I never felt comfortable there.
The atmosphere was kind of a bit hostel, I felt it.
And I did not trust those cleaners.

And they are also very expensive. More expensive than most hotels in that area.
I paid £656 to stay there for the week and I did not get what I paid for.

The room was not so nice and neither were some of the staff.

All of the Premir Inns I stayed in were nice but that one in Liverpoo, was not.

So next time I go to Liverpool I won't stay at there again.
Not at that hotel.

I came to Liverpool to meet with the letting agents I had listed and to look at private rented flats.

But as you know it did not work out for me.

I am not going to get a flat on this visit.
Liverpool is just a holiday for me and so is Manchester.

And as I have found out a private flat is not the right place for me and neither is Liverpool or Manchester.

I won't find a private rented flat any cheaper than in Liverpool than the rent I am paying for my HA flat in Essex.

And I won't find one here in Manchester.
If you look on Right Move you will see most 1 and 2 bedroom flats in Manchester are around £700 or £800 a months and many are more.

And that includes flats in Greater Manchester in the suburbs and the surrounding areas. They are all much more rent than what I what I pay for my HA flat in London. Most of them are.

Not only that but Manchester is a very rough and dangerous city.

Worse than London.

There are a lot of areas in Manchester such as Rushholm,Cheetham Hill and Moss Side that you would not want to live in. They are also red light districts.

Moss Side and Wally Range it's the Soho of Manchester. All the prostitutes go there.

And there are many districts here that seem nice to live in but are not.

Because I have heard there is a lot of crime and burglaries there.
Such as Salford, Old Trafford and many other areas here.
And I would not want to end up in an area where someone could break into my flat and steal or my money and things.
I have heard there is more of that here than in London.





Also the health trusts in Manchester are not very good.
My 2 CMHT Social workers I used to see.
Both my old Social worker and my EX-CMHT Social worker who I am still in contact with.

Told me they had clients like me who were under the MH health services. And had a social worker and psychiatrist in my area, some of who had Aspergers Syndrome like me.

But when they moved up North to Manchester and Liverpool they did not get any help from the CMHT services here.

Because they did not meet the health trusts criteria for help. And the CMHT's up there do not make provisions for people with Asperger's Syndrome.

The same thing could happen to me if I move up here, Especially Manchester. As the health trusts and hospitals are no very good here.

So even if I was offered a flat in Manchester I would not take it.
As I said Manchester is worse than London and is less friendly than London.

Although I think the people here in hotels and shops are more used to tourists than in Liverpool.
And Manchester is a huge tourist city that has many visitors and outsiders that come here to live and work.
Just like London and Birmingham does.

It is not a place to live in. Not for me anyway.

Liverpool and Manchester are interesting cities to visit but no good to live.

Yes I could buy a place. But if I don't have any problems in my HA flat or area why do I want to leave it?

And spend most of my savings on a bought flat or house when I don't have any problems there in my HA flat?


I am looking at it now that I don't have any problems with my flat or my HA. Or with my health trust.
Although my CMHT won't give me a keyworker I have not had any problems with them.

And I have got a nice flat that is in a good area with an understanding HA and nice neighbors.
And it is secure.

And I know have a very caring GP.

So why do I want to move and spend most of my inheritace on a bought property and leave all of that?
If I don't have any problems there?

I don't think I should move. As other people have told me, if I don't have any problems where I am living. I should stay in my HA. Enjoy the money.
Then when the money runs out go back in HB and full benefits again.

As I am still getting some of my benefits my DLA and CTB ESA, that is paying my rent anyway.
So my inheritace won't run out so quickly.
It could last me for 10 years or maybe a bit more if I look after it.
Because I won't have to spend most of it buying a home.

System

Quizzical_Squirrel wrote: »

Please, I beg you, edit your post and remove the name of your hotel.

I have done.

It's no a good idea to give the exact location of the hotels I am staying in.
The wrong person could be reading this.
You never know.
Best to be discreet when posting on a public form.

There are hundreds of Premir Inns in Liverpool and Manchester and the whole of England.

So nobody is gonna know which one I am staying in if I don't tell them.
So post now edited to remove the names.

ripplyuk

Why on earth are you in Manchester? I thought you were going home.

Please go home OP.

System

ripplyuk wrote: »

Why on earth are you in Manchester? I thought you were going home.

Please go home OP.

Well I am having a nice holiday even if I did not get to do what I came here for.

Which I don't now because I have decided I don't want to move up here.
So Liverpool and Manchester is just a holiday for me.
I am not going to live here.

IAmWales

annbarbs wrote: »

Well I am having a nice holiday even if I did not get to do what I came here for.

Which I don't now because I have decided I don't want to move up here.
So Liverpool and Manchester is just a holiday for me.
I am not going to live here.

You could have had a week in the Maldives for the cost of your holiday.

Please show your GP this thread. You're constantly putting yourself in dangerous situations and someone needs to be supporting you. If the CMHT cannot help then the GP can signpost you to private support services.

cashbackproblems

So you have money and recieiving a lot of beneifts and still complaining about having to use your inheritence?! There are people more in need i suggest you get a job and dont rely on the state for support