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A 'what would you do in this situation' dilemma - opinions welcome!
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Freehold with own garden all the way.Mortgage started 2020, aiming to clear 31/12/2029.0
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House house house house house house house!
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House for me!0
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Definitely a house. They'll always be a better investment than a flat and no service charges or ground rent.0
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If you have the will to do the work, I’d go for the house, for all the reasons already mentioned above:
freehold
garden
2 beds
If not, the flat seems like an easy option
2.22kWp Solar PV system installed Oct 2010, Fronius IG20 Inverter, south facing (-5 deg), 30 degree pitch, no shadingEverything will be alright in the end so, if it’s not yet alright, it means it’s not yet the endMFW #4 OPs: 2018 £866.89, 2019 £1322.33, 2020 £1337.07
2021 £1250.00, 2022 £1500.00, 2023 £1500, 2024 £13502025 target = £1200, YTD £9190
Quidquid Latine dictum sit altum videtur0 -
Housey housey!"Everything comes to him who hustles while he waits" Thomas Edison
Following the Martin mantra "Earn more, have less debt, improve credit worthiness" :money:0 -
Freehold house every time. Flat might look a good prospect but if owners start letting properties you might have to deal with noisy disrespectfull short term tenants. Similarly if owners fall behingd with their service charges could be up to remainder to make up shortfall. Then there are leaks from upstairs, bikes stored in communal hallways general rubbish in recycling bins etc etc etc0
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Freehold house
#2 Saving for Christmas 2024 - £1 a day challenge. £325 of £3660 -
House would be my choice, own garden, free hold and less chance of neighbour noise or disputes. Plus a lot of flats have a service charge to pay on top of mortgage.0
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Another one here who would go for the house.
I've been looking at 2 bed houses and flats, and despite the price difference I'm not at all tempted by living in a flat. I've had good and bad experiences of flat dwelling in the past, though they were rentals. I don't honestly think I'd want to live in one again.
The house gives you so much more scope going forward.0
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