No option to buy? Single people

moneysavinghero

Graphic Design jobs everywhere not just London. Escape that place and start your life.

Irishpearce26

Angela_D_3 said:

littlemissbliss said:

AnnieB2018 said:

Surely you will need to buy a 1 bed hovel then, same as thousands of other young  and young-ish single people before you.

I am 40 - so i would rather not buy a hovel haha

You should have bought earlier then thats the bottom line

Great advice, I bet you're a ray of sunshine at party's!

Irishpearce26

littlemissbliss said:

Irishpearce26 said:

Sorry to hear you're struggling but positive you can save the amount you can which is great.

In the new world can you work from home permanently? Perhaps look at areas outside of Surrey that may open up more options. Set a limit on commuting which could be offset with some flexible working from home unless your job needs you to be in a certain place.

You know what businesses are like
Businesses should do this then everyone wouldn't have to live in the surrey area. My job has said we can be flexible and work part from home and part in the office. But I need more reassurance first. Also what if i lost my job - i would need to be able to get another in London (salary). Being a Graphic Designer everything is in London. I am from up north originally. I could buy a house from where i was born - but there are no jobs. 

Even more reason that you can work from home in your line of work. Majority of businesses I know are going that route. Maybe buy a 1 bed place as someone listed a few options for a year or two get more equity and then progress. Either way good luck I hope you find what you're looking for.

Tiglet2

Is there a possibility of the Bank of Mum and Dad? 

I think there is always a difficult choice to make with regard to location.  If you work in central London, maybe look at other areas that you could commute from that are not quite as expensive as your current location in Surrey.  What about Reading, Farnborough, Aldershot to the south west or Crawley or East Grinstead to the south?  Perhaps even consider north of London, depending on which area your workplace is in.

mrseff_2

littlemissbliss said:

Irishpearce26 said:

Sorry to hear you're struggling but positive you can save the amount you can which is great.

In the new world can you work from home permanently? Perhaps look at areas outside of Surrey that may open up more options. Set a limit on commuting which could be offset with some flexible working from home unless your job needs you to be in a certain place.

You know what businesses are like
Businesses should do this then everyone wouldn't have to live in the surrey area. My job has said we can be flexible and work part from home and part in the office. But I need more reassurance first. Also what if i lost my job - i would need to be able to get another in London (salary). Being a Graphic Designer everything is in London. I am from up north originally. I could buy a house from where i was born - but there are no jobs. 

I sympathise - also being single it's hard... Re your salary and london-centric location. I think you're a little behind the times with your view of the north - I have worked in creative design / design agencies in and around Manchester for 20 years - there's a thriving creative vibe / agency and otherwise - On my own team I have 6 graphic designers from 22 - 45 years old and salary ranging from 26k to 50k. If you can move (in the knowledge that there are jobs north of Watford ) you would be much better placed... Good luck!

Angela_D_3

Irishpearce26 said:

Angela_D_3 said:

littlemissbliss said:

AnnieB2018 said:

Surely you will need to buy a 1 bed hovel then, same as thousands of other young  and young-ish single people before you.

I am 40 - so i would rather not buy a hovel haha

You should have bought earlier then thats the bottom line

Great advice, I bet you're a ray of sunshine at party's!

Im a laugh a minute at the moment .... im not wrong though am i 

Angela_D_3

mrseff_2 said:

littlemissbliss said:

Irishpearce26 said:

Sorry to hear you're struggling but positive you can save the amount you can which is great.

In the new world can you work from home permanently? Perhaps look at areas outside of Surrey that may open up more options. Set a limit on commuting which could be offset with some flexible working from home unless your job needs you to be in a certain place.

You know what businesses are like
Businesses should do this then everyone wouldn't have to live in the surrey area. My job has said we can be flexible and work part from home and part in the office. But I need more reassurance first. Also what if i lost my job - i would need to be able to get another in London (salary). Being a Graphic Designer everything is in London. I am from up north originally. I could buy a house from where i was born - but there are no jobs. 

I sympathise - also being single it's hard... Re your salary and london-centric location. I think you're a little behind the times with your view of the north - I have worked in creative design / design agencies in and around Manchester for 20 years - there's a thriving creative vibe / agency and otherwise - On my own team I have 6 graphic designers from 22 - 45 years old and salary ranging from 26k to 50k. If you can move (in the knowledge that there are jobs north of Watford ) you would be much better placed... Good luck!

Id actually suggest there’s more jobs in Manchester at the moment,  start ups are purposely choosing not to open in London for all of the reasons listed above.  Manchester is great value at the moment if you dont have to worry about schools 

brownbagsFTB

You should have bought earlier then thats the bottom line

It’s just not possible for some people to get on the housing ladder when they’re younger, not without help from the bank of mum and dad. I’m 38 and only just now managing it alone after spending years climbing the career ladder and finally earning a decent living and paying off debts, including two student loans. I would have loved to be fortunate enough to afford a house five years ago 

balibeach

littlemissbliss said:

RoisinDove said:

I am a single woman too. Earning a bit more than you, which means I should just about be able to afford a one-bed flat, but it's really hard. I am shocked to hear there is any 'priority' system for shared ownership - that seems like downright discrimination! Why should a couple be more deserving of it than you?

Yeah there is - normally goes to families, homeless, those on the council list. Basically those who can't afford it. At least that's what i was told. I seem to fail every time because i have a roof over my head and earning.  But I have rented for 18 years. 

This surprises me, I was told that the only group who get priority for shared ownership properties are serving/ex members of the British armed forces. I suppose that different areas must have different rules though.

I’m in the middle or purchasing a shared ownership house in the north of England and the checks I had to pass were to do with affordability making sure that I could meet the mortgage plus rent payments, and that I don’t earn above a certain amount.

Without the shared ownership option there’s no way I’d be able to buy somewhere on my own with house prices as they are. 

HanPop

We used to own a shared ownership property until we sold last year and it was only based on affordability and not priority groups. Worth checking out different housing associations maybe?