Bills - how much?

bouicca21

There are actually some very nice bits of Dartfird, especially near the Heath.

[Deleted User]

YoungBlueEyes said:

[Deleted User] said:

Miranda25 said:

user1977 said:

Miranda25 said:

Would I have a time to sell the house if I want to leave the UK in an unexpected situation? Or the house would be reposessed very quickly?

Generally you'd be able to sell your house. Repossessions are really quite rare (about 1% or so of mortgages end in repossession). The lender would prefer to sit back and let you sell rather than them have to deal with it.

Also, if your concern is merely "leaving the UK", you don't need to sell your property before you do that.

What is your home country, and don't most of these concepts also apply there? Or are you totally naive about what it costs to run a household there too?

Bills are cheap in my home country, we do not care about them, we just pay them.

Thank you for all the info - you gave me a bit a peace of mind.

Wow, where is that ?
How can utilities be so cheaply supplied ??
How soon can i come and buy somewhere there ?
And, why on earth would you want to, even consider, leaving that behind ???
You'd be able to amass far more wealth and security in your home country than here.

Amassing wealth is one thing. Being allowed to keep it quite another. In certain countries. Imo. 

Where, in the world, are you not allowed to keep your wealth ?

YoungBlueEyes

Well lets say countries where the government takes a particularly active role in people's lives, and being in favour matters. China. Russia. Parts of the middle east. South America. Etc. 

Edit - apologies for the derailment OP, my bad.

Criptine

Miranda25 said:

Thank you.
Someone told me that bills for 1-bedroom house or flat could be as much as £1000 per month (in London).
Just bills (gas, electricity, water, council tax, service charge.....)
I am trying to see if it is true or not.

Having looked at a lot of properties for sale in London recently, the service charges and ground rent vary wildly. Some would work out at £100 per month, some well over £500, which makes a huge difference to the affordability of any mortgage. You have to factor these in for each property individually.

Miranda25

Criptine said:

Miranda25 said:

Thank you.
Someone told me that bills for 1-bedroom house or flat could be as much as £1000 per month (in London).
Just bills (gas, electricity, water, council tax, service charge.....)
I am trying to see if it is true or not.

Having looked at a lot of properties for sale in London recently, the service charges and ground rent vary wildly. Some would work out at £100 per month, some well over £500, which makes a huge difference to the affordability of any mortgage. You have to factor these in for each property individually.

So freehold is better.

ayupmeduck

Miranda25 said:

CSI_Yorkshire said:

If I ignore the prices, I'm in the North so numbers like that for single-bed houses scare me - compare to https://www.rightmove.co.uk/properties/137549540#/ or https://www.rightmove.co.uk/properties/137096969#/ for example:

Both those you post look pretty nice - not a wreck that needs re-doing.

Nice garden in the first, looks like a decent private outdoor space which I like.  I don't think there would be too much noise from the road, but there might be a lot of traffic so more congestion than noise.  Most places don't get much road noise indoors anyway, and most houses are somewhere near a road.

Second looks like a quieter place, no garden but playing fields essentially next door so might work for most.

I don't know the areas too well, but general sense is that Royal Tunbridge Wells is 'nicer' than Byfleet (but I could be completely wrong about that).  I wouldn't say RTW was in London (or Greater London) though.

I wouldn't see an issue selling either in future - and if I had to choose just based on the house & location (not in relation to things like work/family etc) I would choose the second.

I cannot see nice 1-bedroom houses within Greater London (and area OK) within my budget. So I am looking outside of London too.

For example these houses within Greater London but I think area is not good:

https://www.rightmove.co.uk/properties/135520538#/?channel=RES_BUY

https://www.rightmove.co.uk/properties/86148012#/media?channel=RES_BUY&id=media7&ref=photoCollage

The first one yes the second one no but that's just my opinion. The South East is very expensive.

Miranda25

ayupmeduck said:

Miranda25 said:

CSI_Yorkshire said:

If I ignore the prices, I'm in the North so numbers like that for single-bed houses scare me - compare to https://www.rightmove.co.uk/properties/137549540#/ or https://www.rightmove.co.uk/properties/137096969#/ for example:

Both those you post look pretty nice - not a wreck that needs re-doing.

Nice garden in the first, looks like a decent private outdoor space which I like.  I don't think there would be too much noise from the road, but there might be a lot of traffic so more congestion than noise.  Most places don't get much road noise indoors anyway, and most houses are somewhere near a road.

Second looks like a quieter place, no garden but playing fields essentially next door so might work for most.

I don't know the areas too well, but general sense is that Royal Tunbridge Wells is 'nicer' than Byfleet (but I could be completely wrong about that).  I wouldn't say RTW was in London (or Greater London) though.

I wouldn't see an issue selling either in future - and if I had to choose just based on the house & location (not in relation to things like work/family etc) I would choose the second.

I cannot see nice 1-bedroom houses within Greater London (and area OK) within my budget. So I am looking outside of London too.

For example these houses within Greater London but I think area is not good:

https://www.rightmove.co.uk/properties/135520538#/?channel=RES_BUY

https://www.rightmove.co.uk/properties/86148012#/media?channel=RES_BUY&id=media7&ref=photoCollage

The first one yes the second one no but that's just my opinion. The South East is very expensive.

I think South-East area is cheaper than Surrey?

Regarding those 2 properties - they are both near St. Mary Cray Station. Not a nice area.

[Deleted User]

Hard to say, a property and area that would suit one person would be horrific to another. Don't forget to factor in rail fares if you work in central London and think of buying further into Kent. I used to live down that way but the prices now are scary ( though that applies pretty much everywhere for me). Don't expect to make a fortune on the property unless you can ride out all the interest rises/economic dips. It depends how much you earn really as to how much you can still take lovely holidays and shop when you want to.

Miranda25

[Deleted User] said:

Hard to say, a property and area that would suit one person would be horrific to another. Don't forget to factor in rail fares if you work in central London and think of buying further into Kent. I used to live down that way but the prices now are scary ( though that applies pretty much everywhere for me). Don't expect to make a fortune on the property unless you can ride out all the interest rises/economic dips. It depends how much you earn really as to how much you can still take lovely holidays and shop when you want to.

That's true.
But for me a dilemma - whether to buy a flat in London or the house outside of London.
I do not really think about rail fares.
I think more - whether I would be happy in small towns or not as I only used to live in big cities.

[Deleted User]

Miranda25 said:

Purbeck14 said:

Hard to say, a property and area that would suit one person would be horrific to another. Don't forget to factor in rail fares if you work in central London and think of buying further into Kent. I used to live down that way but the prices now are scary ( though that applies pretty much everywhere for me). Don't expect to make a fortune on the property unless you can ride out all the interest rises/economic dips. It depends how much you earn really as to how much you can still take lovely holidays and shop when you want to.

That's true.
But for me a dilemma - whether to buy a flat in London or the house outside of London.
I do not really think about rail fares.
I think more - whether I would be happy in small towns or not as I only used to live in big cities.

There's a season ticket calculator here https://www.nationalrail.co.uk/tickets-railcards-and-offers/ticket-types/season-ticket-calculator/