We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Sheffield and outlying areas
Options
Comments
-
OH drives for a living and doesn't want a long commute before or after he finishes work. So 12 miles is his limit however we've been considering Barnsley, and of course Rotherham.nimbo said:Houses in Sheffield are cheaper then Leeds. By a lot.Heeley is nice - but there was not lot of less then 150 when I was looking. (I’ve just made an offer and am still in the process so I wasn’t looking long ago). I didn’t seriously look in Heeley.What is the 12 mile golden mark? Travel will be quicker then it is in London. And if you widen your horizon a little house prices will drop dramatically.South Yorkshire is cheap ish generally. So Doncaster, Rotherham and Barnsley will be more affordable then Sheffield. One thing South Yorkshire has is pretty views and green spaces.Figure out where his office is and work outwards form there. You can buy a house in Goldthorpe (on the Sheffield train route) for £10 k. I’d hazard a guess you don’t want to live in it. 🤷♀️I’m Barnsley I’ve been told 16 weeks to buy and their searches are supposedly speedy.Ex local authority can be challenging to mortgage.1 -
Thanks RAS - yes, we will go to rent for 6 months and take it from there. Good insurance? What type?RAS said:I'd agree that the OP needs to research where they move very carefully. Some parts of that area are challenging and there may still be some that don't appreciate people who aren't local or are different. The same is true of Leeds.
OP, the transaction costs of moving are going to be high compared with the value of your purchase, so I'd suggest that you need to make sure it is somewhere you are happy to live for a decade or more.
There are several mortgage providers who will allow you to extend the repayments until you are 70, which may give you some wriggle room, as you could overpay after the first year or so. Make sure you have good insurance.
The other thing I'd consider is transport links. Although you both drive, if you could manage with one car it would make life much more affordable. So check the links for OH's work and start looking round the hubs. Preferably walkable to the hub if necessary.
I'd suggest then renting for 6 months in one of your preferred areas and seeing how that feels re facilities, friendships, and job opportunities for yourself. You can use the time to boost your savings and research the other areas.
And the car, yes, ideally we only need the one. If I can continue working from home then even better but currently awaiting decision from boss.
0 -
You'll need decreasing term life insurance anyway, in case either of you die within the mortgage period.
Depending on how good your employer is at covering ill-health, you might want to look at some sort of critical illness cover in case either of you can't work.
And self insure for short-term emergencies by getting 3 months living costs in savings.
If you've have not made a mistake, you've made nothing1 -
Thanks for all the help so far.. it's very useful.
If anyone's happy to elaborate on the not so 'popular' areas then that will be helpful. I have done some research and included about a dozen or so on a list.. but I wouldn't want to offend anyone by naming those places.. ;-)
So any postcodes, areas, housing estates that we should definitely steer clear of?0 -
Neither myself or my husband have life insurance; my employer certainly doesn't provide anything that's not statutory. Noted the CIC. My husband's plan is to pay off a mortgage within 5 years - 8 years max - we're just looking at a £50k mortgage max.RAS said:You'll need decreasing term life insurance anyway, in case either of you die within the mortgage period.
Depending on how good your employer is at covering ill-health, you might want to look at some sort of critical illness cover in case either of you can't work.
And self insure for short-term emergencies by getting 3 months living costs in savings.0 -
Decreasing term insurance is usually pretty cheap, and you can cancel it when you pay off, or get near to paying off, the mortgage.
Do either of you have pensions that provide early retirement on ill-health grounds? If not CIC might be useful, even if only for the first few years when the risk is greatest?If you've have not made a mistake, you've made nothing0 -
No, I'm pretty certain that neither of us have that benefit unfortunately. Will note your advice above, thanks RAS.RAS said:Decreasing term insurance is usually pretty cheap, and you can cancel it when you pay off, or get near to paying off, the mortgage.
Do either of you have pensions that provide early retirement on ill-health grounds? If not CIC might be useful, even if only for the first few years when the risk is greatest?
0 -
I wouldn't get so hung up on miles, you need to think more time.felinefancy said:
OH drives for a living and doesn't want a long commute before or after he finishes work. So 12 miles is his limit however we've been considering Barnsley, and of course Rotherham.nimbo said:Houses in Sheffield are cheaper then Leeds. By a lot.Heeley is nice - but there was not lot of less then 150 when I was looking. (I’ve just made an offer and am still in the process so I wasn’t looking long ago). I didn’t seriously look in Heeley.What is the 12 mile golden mark? Travel will be quicker then it is in London. And if you widen your horizon a little house prices will drop dramatically.South Yorkshire is cheap ish generally. So Doncaster, Rotherham and Barnsley will be more affordable then Sheffield. One thing South Yorkshire has is pretty views and green spaces.Figure out where his office is and work outwards form there. You can buy a house in Goldthorpe (on the Sheffield train route) for £10 k. I’d hazard a guess you don’t want to live in it. 🤷♀️I’m Barnsley I’ve been told 16 weeks to buy and their searches are supposedly speedy.Ex local authority can be challenging to mortgage.
We used to live 6 miles from work but the commute took an hour as we lived on one side of Sheffield and worked on the other side.
We now live 22 miles away but the commute still takes an hour as we are on the right side of Sheffield for work and the commuter links are excellent.3 -
I can HIGHLY recommend Barnsley!! I moved here years ago and love it. I work with lots of ''southerners'' who sold up and moved up north and chose Barnsley due to low house prices, good schools and low crime rates. You can be in Sheffield in 10-15 mins, Leeds in 20, Wakefield in 15..Manchester in 35 minutes..
The town centre has undergone a multi million pound regeneration, great transport links and VERY green
Please just ask if you need any more in depth info! Good luck and be brave2 -
I had a little look in 'nice' areas in your budget, and these are nice (in my opinion, of course!)
https://www.rightmove.co.uk/properties/110536025#/?channel=RES_BUY
https://www.rightmove.co.uk/properties/110628623#/?channel=RES_BUY
This is over budget and a bit old fashioned but is an expensive village: https://www.rightmove.co.uk/properties/78653346#/?channel=RES_BUY
Very over budget but in my favourite semi rural village with fields and nature reserves all around: https://www.rightmove.co.uk/properties/78653346#/?channel=RES_BUY
I wouldn't waste money renting, houses sell so fast! You have a ready made friend in Barnsley now too (fellow cat lover!haha)1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards