Worried First Time Buyer - In Too Deep?

PasturesNew

fc123 wrote: »

:rotfl: :rotfl: :rotfl: :rotfl:
Why? Surely a customer is a customer? What else do you say?

I know. That's what I wonder.
I've had estate agents turf me out in 1999/2000, asking me "how are you going to pay for a mortgage?" and I said "I thought a spot of savings and a mortgage". Then he tried "lenders don't like lending to single women".

I just can't ask questions and get a reply I am looking for.
Never have been able to.

I have Aspergers, which if you read about it affects social situations. But the reality of anything is, it's never that simple. I'm great in a commercial/work environment. Brilliant.... but if I go out at lunchtime to try to even buy a simple sandwich ... I crash and burn.

I just can't get taken seriously, am not heard, not acknowledged, dismissed, ignored... or just ridiculed/sneered at by sales people/sales assistants. My body language isn't right, I don't know. It's something I can't tell/see, but they can subconsciously.

*shrugs*

So generally, I avoid all situations where I have to try to buy anything at all.

Unfortunately for me ... I am now a cash buyer. So, how the hell do I now get taken seriously when they didn't even take me seriously when they thought I had to borrow money to buy?

fc123

If you ever visit Brighton, PM me, pop into my shop and I'll give you a hand with outfits...sounds shallow......(and I am no way like T+ S...I'm far too cool) but sometimes it can help.

You write really well...perhaps you could type out statements, phrases on A4 cards..so when you want to ask or answer a question...you shuffle through the pack and produce one.
You could say you are hard of hearing or have a tongue infection so you can't speak?
Worth a try

PasturesNew

fc123 wrote: »

If you ever visit Brighton, PM me, pop into my shop and I'll give you a hand with outfits...sounds shallow......(and I am no way like T+ S...I'm far too cool) but sometimes it can help.

You write really well...perhaps you could type out statements, phrases on A4 cards..so when you want to ask or answer a question...you shuffle through the pack and produce one.
You could say you are hard of hearing or have a tongue infection so you can't speak?
Worth a try

aaargh clothes.
NOTHING fits or suits me. Really.
Nothing. It never has.
So I own: 2 pairs of jeans (hand outs), 12 virtually identical little tops (charity shops), 3 identical hoodies (peacocks). I figure if I have zero taste I might as well not waste money buying expensive things that are pants.
And 6-8 things I have that don't fit/suit me.
That's pretty much my whole wardrobe

LOL/hard of hearing. I've not thought of cards. I go in, planning what I am going to say, then I say it quite clearly/slowly, but if there is a distraction or it's noisy I can lose my way mid-sentence, then I almost have to force the individual words out, while looking a bit confused

Makes me feel such a pl0nker when I do that

fc123

PasturesNew wrote: »

So generally, I avoid all situations where I have to try to buy anything at all.
Well I guess thats moneysaving.

Unfortunately for me ... I am now a cash buyer. So, how the hell do I now get taken seriously when they didn't even take me seriously when they thought I had to borrow money to buy?

In commercial property, it is not uncommon to employ a surveyor or agent to negotiate on your behalf with the landlord / owner. I don't know the fee structure but think it is a percentage of the end price.

If it is really a problem,esp if you come across the dream house, it is something that you could consider...though it would entail a fee, the agent could negotiate a better deal on your behalf.
I am sure it is done in the domestic sector too.

Hop previouspost didn't come across too glib.

PasturesNew

Anyway ... back to the OP.

I thought I was reading between the lines ... and he was really wanting to be talked out of the house thing.

He said he was worried his gf would pee all the money up the wall among other things.

He's under pressure to buy something he's not sure about.

I hope we've done our job here.

Who is winning so far?

1] Buy it
2] Rent instead

Which one....?

My vote is for [2]

fc123

PasturesNew wrote: »

aaargh clothes.
NOTHING fits or suits me. Really.
Nothing. It never has.
So I own: 2 pairs of jeans (hand outs), 12 virtually identical little tops (charity shops), 3 identical hoodies (peacocks). I figure if I have zero taste I might as well not waste money buying expensive things that are pants.
And 6-8 things I have that don't fit/suit me.
That's pretty much my whole wardrobe

LOL/hard of hearing. I've not thought of cards. I go in, planning what I am going to say, then I say it quite clearly/slowly, but if there is a distraction or it's noisy I can lose my way mid-sentence, then I almost have to force the individual words out, while looking a bit confused

Makes me feel such a pl0nker when I do that

Def pop in if you ever take a trip down south....I have a loads of customers with similar issues. The High St chains are great if you know what you are looking for but I understand the problem.
We are same prices as New Look but offer Karen Millen service.....there just aren't many independent shops left now like us.

I have the same thing buying anything techy....wanders into O2 shop needing new 'phone as old one broke. When asked what I wanted, I said "a 'phone". Then, what did I need with the 'phone in terms of functions so I said I needed it to make calls from. Young girl thought I was taking the P1$$.

I am a disaster in PC World too.

Sorry OP to hijack your thread.

Go for option 2

dopester

I came across this thread whilst searching the term "roof leaking".

An extension leading to our conservatory is leaking in and insurance say it's wear and tear (not storm damage). Insurance will cover the inside repairs (replastering and wallpaper - after £100 excess is paid) but we have to find monies for the main work. Also we'll be needing a new back door near future.... it's been on 25 years and they aren't cheap. And the porch doors the same (50 years).

I seriously find it unbelievable anyone would contemplate leaving themselves in a position where they only have disposable income of £70 and £100 per month. There's no room to manoeuvre for any slight problem... nor unexpected rises in food / insurance / council tax / mortgage reset.

"137,950 which is a stunning price" - maybe in comparison to a few months ago... lets see how things play out this year - and even now..... seems to me you're leaving yourself pressed to the limit. The stress of having little money is often the cause for relationship/martial problems.

Lavendyr

poppyolivia wrote: »

The OP would be spending much and such the same renting so whats the point?

You don't know that. OP has to look around his local area and see what the rental market is like. If it turns out it's much the same as buying, fair enough, it might be better to buy. If it turns out that he could rent for £200 a month less, that's certainly not a bad idea for 6 months while he and partner work out how to live together without tearing each others' hair out, and they could save a few bob up as well.

Even if rental costs are the same as a mortgage, it might be worth doing, because in 6 months house prices *may* have dropped further, especially on that new build OP has his eye on. Not a given, but a real possibility. It all depends on what the market's like where OP is now, and what the crystal ball shows up

As with others, I'm not saying OP should definitely rent. But nor am I one of these people who seems to think that you're no one if you don't own property, and that owning a house (I say 'owning' - I mean 'renting from the bank' - especially with interest-only mortgages) is the be-all and end-all. I just think the OP needs to explore all options without bias, and needs to be aware of and to consider all the factors in play.

becky2011

Me and my partner were first time buyers last year and paid £135,000 for a house. Our mortgage is around £700 a month.
Our joint income is £46,000, we sometimes struggle when we have a month where something goes wrong or receive a huge bill. I just worry that your incomes may be too low. Do you have any family that would help you with a bit more for the deposit? Or that would bail you out if you have a 'tight' month?

poppyolivia

Lavendyr wrote: »

You don't know that. OP has to look around his local area and see what the rental market is like. If it turns out it's much the same as buying, fair enough, it might be better to buy. If it turns out that he could rent for £200 a month less, that's certainly not a bad idea for 6 months while he and partner work out how to live together without tearing each others' hair out, and they could save a few bob up as well.

Even if rental costs are the same as a mortgage, it might be worth doing, because in 6 months house prices *may* have dropped further, especially on that new build OP has his eye on. Not a given, but a real possibility. It all depends on what the market's like where OP is now, and what the crystal ball shows up

As with others, I'm not saying OP should definitely rent. But nor am I one of these people who seems to think that you're no one if you don't own property, and that owning a house (I say 'owning' - I mean 'renting from the bank' - especially with interest-only mortgages) is the be-all and end-all. I just think the OP needs to explore all options without bias, and needs to be aware of and to consider all the factors in play.

yes I agree but what I'm saying and all I'm saying is (and stated this previously) basically if your mortgage and rent are about the same why rent? And I've also said it depends on the area and the state of the market. I never said anyone that rents is a no-one, thats just daft! Around here rent prices reflect morgage prices of that property so I really don't get it thats all...it might be way different where the OP lives, who knows? I was lucky to get my houses when I did and I know that (only have one now). Why would I pay someones morgage? Rent for a 2 bed house here is the same as a mortgage give or take, defo not worth renting and saving cause it just won't happen. I'm not slagging anyone off that rents its just not my thing thats all.