Nightmare about buying

p00hsticks

Dia8012 wrote: »

agrinnall
Easy to say my friend we are both working and u know finding the job for both in new area is not that easy. In London at least with 1h commute u can reach to work but from outside is really risky specially with this train situations recently thinking to live outside the zone is scary.

What sort of work do you both do ? If either or both of you work for national companies you could perhaps look to transfer within the company rather than quit. At the level of salary you're both at, your standard of living is likely to be considerably better if you relocate to another part of the country - London is an extemely expensive bubble compared to many other equally civilised parts.

AdrianC

jonnygee2 wrote: »

AdrianC has already posted the links to lots of properties though.

Look at this place. https://www.rightmove.co.uk/property-for-sale/property-64395196.html . It has two bedrooms and does not need refurbishing before moving in. And it's in Walthamstow - that's zone 3 / 4 so easily commutable. It's possibly just outside your budget, but you could make an offer.

If you don't like it AdrianC linked to a search with 700 other results to look through.

Even if we knock the upper limit back a bit...

£230k
https://www.rightmove.co.uk/property-for-sale/property-74118845.html
https://www.rightmove.co.uk/property-for-sale/property-58397727.html
https://www.rightmove.co.uk/property-for-sale/property-57029694.html

£220k
https://www.rightmove.co.uk/property-for-sale/property-76093118.html
https://www.rightmove.co.uk/property-for-sale/property-58262997.html

I think somebody's tastes are ahead of their budget, and they don't want to admit the reality of what they can afford...

Davesnave

Dia8012 wrote: »

agrinnall
Easy to say my friend we are both working and u know finding the job for both in new area is not that easy. In London at least with 1h commute u can reach to work but from outside is really risky specially with this train situations recently thinking to live outside the zone is scary.

I don't know how old you are, but when I was a young man working in Central London, it soon dawned on me that my colleagues,years older than me, were little more than wage-slaves, braving tedious, long commutes every day, just so they could buy out in the sticks near a station.

That sort of daily grind didn't look like a great prospect long term, so after I'd enjoyed what the metropolis had to offer for a couple of years, I went somewhere more pleasant and a good deal cheaper.

That was around 50 years ago. Despite strikes and industrial unrest there was pretty full employment then, just as there is now.

What I find scary is how things might have turned-out if I'd stayed through fear of losing what I'd been told was, "a good, safe job."

Bossypants

Also, these days rail links have been significantly improved. Living in Brighton and working in Canary Wharf, my commute is only 10 minutes longer than my colleague's who lives near Kew. I'm hoping to move to Horsham in 2019, and if I do, our commutes will be about the same.

The commuter lifestyle isn't for everyone, granted, but the idea that you're automatically better off for being in London is no longer accurate.

Dia8012

Bossypants,
Have you ever been told by your boss that " I don't care how you come to work but if you can't make it on time you better look for a job somewhere else", if not you are lucky bcus now days zero tolerance when it comes to being late in your job no matter bcus of what.

AdrianC

Bossypants wrote: »

Also, these days rail links have been significantly improved. Living in Brighton and working in Canary Wharf, my commute is only 10 minutes longer than my colleague's who lives near Kew. I'm hoping to move to Horsham in 2019, and if I do, our commutes will be about the same.

Isn't that Southern Rail territory...? Not been the best of years...

Dia8012

Davesnave,
will touch 40 soon, been thinking about that idea but I can travel as I drive but she can't, further you go travel cost would hit you.

Tigsteroonie

agrinnall wrote: »

While you might find something in London in your price range it won't be at all desireable.

OP, you could buy your first property in a less desirable area, even in less desirable areas the house prices still go up. Work hard, maybe get a payrise to increase your multiples, and look to move somewhere more desirable in a few years time. At least you'll be on the property 'ladder'.

Not everybody is lucky enough to live in a desirable area.

Bossypants

Dia8012 wrote: »

Bossypants,
Have you ever been told by your boss that " I don't care how you come to work but if you can't make it on time you better look for a job somewhere else", if not you are lucky bcus now days zero tolerance when it comes to being late in your job no matter bcus of what.

Actually I've found the opposite, these days employers in London seem to be much more flexible than smaller towns for this, because they accept it as a reality that can't be avoided. It may be different for different industries of course (I'm in finance).

Adrian it is Southern rail and yes Southern are crap, but I'm not late more often than my colleagues who rely on the tube or the DLR.

quantumlobster

OP: you and your partner do not, IMHO, have a combined income that supports living somewhere nice in London. Commuting into London from the suburbs is something you should specifically budget for. I got talking to someone on the train who commuted from Croydon into central London. It's about an hour each way and the season ticket was £2,500. And, of course, if the trains are late, you're late - there's no plan B.

You have options. All require effort and commitment on your part.

1. Get a job that pays more.
2. Move. The further away from London you go, the cheaper property gets. Round here, for example, £250K is "nice 4-bed executive detached, in a nice place" money.
3. Buy in a not-so-nice area.
4. Buy a not-so-nice house.
5. Stay where you are, and keep saving to increase your deposit, thus avoiding options 1-4.

I don't know your personal situation, so can't comment on the feasibility of any of these.