Really confused about what I want :(

NinjaTune

danlightbulb said:

AdrianC said:

danlightbulb said:

The other thing that crosses my mind on that one is whether I would be embarrassed to own it, its 'too much' house for me?

Oh, fergoodnesssakes!

I cant help it, i would feel like i dont deserve a house like that.

Oh lord.  Maybe you need to work on yourself before you find a house to work on. 

"Don't deserve a house like that" - do behave, we aren't in the forelock-tugging to the rich landowners era anymore.

Have you booked a viewing for the property you posted earlier yet?

staffie1

danlightbulb said:

It is lovely that one no doubt about it.

I cant see them dropping £20k though, would have thought theyd have done that already if it's something they would do?

Ill have to see what is left over for improvements after Ive took the mortgage into account. £190k is stretching.

The other thing that crosses my mind on that one is whether I would be embarrassed to own it, its 'too much' house for me?

Theres a world of difference between that one and the one I posted last night. When i have choices that are so vastly different how can I decide?

You won’t know how far they’d drop unless you make an offer. No demand for 3 mths. If they want to sell it (and presumably they do), they will likely be prepared to negotiate. From what you say, there are 2 things worrying you about this house - price (as discussed) and might be ‘too much house’. That’s an excuse, not a reason. Please go and see it Dan. You never know, you might get that feeling we all long for in our search as soon as you walk through the door...

danlightbulb

Ill have to look at the costs. Even if they did let it go for £190k, thats the max mortgage I can have and its going to be a higher council tax band as well. It could be too much on the monthly budget.

MFWannabe

I’m going to be very blunt now as I think we’re all getting fed up now; giving advice (some have given it time and time again) and listening to excuses 

1) make up your mind IF you definitely want to buy a house instead of throwing away money on rent 
2) Get on with it! Book the viewings! 

[Deleted User]

 I know how he feels 

strawb_shortcake

When you get to 60, do you really want to be looking back and thinking, I wish I'd bought a house, any house?
I think that's where you are more likely to be heading towards. 

danlightbulb

So with that house am I best going to view it and not telling the agent my max is £190, or do I tell them that straight away so I don't waste their time?

AdrianC

danlightbulb said:

Ill have to look at the costs. Even if they did let it go for £190k, thats the max mortgage I can have and its going to be a higher council tax band as well. It could be too much on the monthly budget.

<goes to look>
It's band C. No II flag. I doubt that's any different from any of the place you've already looked at, even offered on.
Dudley council band C is £1427, minus your 25% single occupant = £89/mo.

Even if it was band D... Band D would be £1605 - 25% = £100.
Is £11/mo really a budget-breaker for you?

Takes two seconds to find a band if you know postcode and house number.
https://www.gov.uk/council-tax-bands

danlightbulb

@AdrianC thanks yes I just checked that myself too. I was expecting it to be higher than C/D actually, so yes that is fine.

Doozergirl

danlightbulb said:

So with that house am I best going to view it and not telling the agent my max is £190, or do I tell them that straight away so I don't waste their time?

I think that would be prudent.  

I also think it's more of a project for you than some people think.