Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Meka3256
    • By Meka3256 19th Mar 17, 2:51 PM
    • 17Posts
    • 3Thanks
    Meka3256
    £150k house budget - mortgage free in Scotland
    • #1
    • 19th Mar 17, 2:51 PM
    £150k house budget - mortgage free in Scotland 19th Mar 17 at 2:51 PM
    Hi all,

    I currently live in London, and have been on the property market since I was 24 years old. I feel incredibly fortunate to have bought my current house just before the area became popular, and so now have a lot of equity in my property. The result is, if I sold tomorrow I am likely to have £140-£150k.

    I am in my early 30s and I have decided that I want to leave London in the next couple of years and be mortgage free. I've spent a lot of time looking at where in the UK I would move, and have ultimately decided on Scotland. As I will be mortgage free, I have also decided to work slightly differently, so I will not be commuting.

    However my question is where in Scotland? I have been researching a lot and I think somewhere like Peebles would be my ideal, but I can't get what i want without a mortgage. The Scottish borders, and places like Ayrshire would give me what I want from a mortgage free point of view, but I am not sure how I would feel about moving from London to such smaller communities. At least with Peebles (or somewhere similar), you have Edinburgh on your doorstep. Prestwick looks like an option, but then Lanarkshire gives me more for my money.

    My requirements: I have no children so I'm not bothered about good schools, other than the fact they tend to indicate a nice area. I want 2 bedrooms, with a large kitchen and an office space (this could be a 3rd bedroom, or I can build an outside building). I'm not bothered about a lot of land, and don't want to be too remote - I'm fine living in a village as long as it's close to a large town with supermarkets. I will need fast internet as I will be working from home. I'm open to some work, but £150k is my max budget - I have extra savings for fees, moving costs etc, but no extra for renovations. I also need to be reasonably close to an airport as I have close family who live abroad, and I want to be able to visit them regularly. My final, slightly random requirement is that I don't like the snow. So whilst I've come to terms with the rain and dark i will encounter when I move, I don't want to be too far north and experience a lot of snow.

    Has anyone done the move and have any suggestions based on their knowledge? Or anyone live in Scotland, and want to share the great place they live?
Page 2
    • theartfullodger
    • By theartfullodger 20th Mar 17, 5:52 PM
    • 9,532 Posts
    • 12,789 Thanks
    theartfullodger
    Houses on schemes (=wot the Engerlish call council estates) in the Highlands go for about £80k.

    Here's the view, March 2014, from one of mine:

    That's a 3000ft+ Munro upper-left: 5 miles from Ben Nevis, 8 miles from Ski/Snowboarding centre (was there, watching local schoolkids having their skiing lessons, 2 weeks ago..)


    Buy two, one for each foot!
    Last edited by theartfullodger; 20-03-2017 at 6:06 PM.
    • glasgowdan
    • By glasgowdan 20th Mar 17, 6:10 PM
    • 2,881 Posts
    • 3,228 Thanks
    glasgowdan
    I know Peebles well and spend a lot of time there. Never been stuck for driving through the snow though. And it's not that bad!
    • Red-Squirrel
    • By Red-Squirrel 20th Mar 17, 6:25 PM
    • 2,666 Posts
    • 7,147 Thanks
    Red-Squirrel
    The downside imo is it drives me up the wall if people act like it's a different country - and some do....
    Originally posted by moneyistooshorttomention
    To be fair, you live in Wales don't you!?
    • Red-Squirrel
    • By Red-Squirrel 20th Mar 17, 6:26 PM
    • 2,666 Posts
    • 7,147 Thanks
    Red-Squirrel
    Houses on schemes (=wot the Engerlish call council estates) in the Highlands go for about £80k.

    Here's the view, March 2014, from one of mine:

    That's a 3000ft+ Munro upper-left: 5 miles from Ben Nevis, 8 miles from Ski/Snowboarding centre (was there, watching local schoolkids having their skiing lessons, 2 weeks ago..)


    Buy two, one for each foot!
    Originally posted by theartfullodger
    That's gorgeous! I don't suppose its a holiday let is it?
    • theartfullodger
    • By theartfullodger 20th Mar 17, 7:08 PM
    • 9,532 Posts
    • 12,789 Thanks
    theartfullodger
    Nope, it's currently let to students: There are loads of holiday lets in the area (Fort William). But there is the rain & the midges....
    • Red-Squirrel
    • By Red-Squirrel 20th Mar 17, 7:44 PM
    • 2,666 Posts
    • 7,147 Thanks
    Red-Squirrel
    Nope, it's currently let to students: There are loads of holiday lets in the area (Fort William). But there is the rain & the midges....
    Originally posted by theartfullodger
    Oh I don't mind the rain, I live in Manchester! Shame, you'd have got yourself a booking.
    • Davesnave
    • By Davesnave 20th Mar 17, 7:55 PM
    • 25,053 Posts
    • 92,603 Thanks
    Davesnave

    I have come to realise since moving what you mean about the way people "interact" with each other. The thought had literally not crossed my mind that that might be different in a different area of the same country - but I do know what you mean now.....
    Originally posted by moneyistooshorttomention

    I actually said there are wide variations within the same county, albeit a large one, never mind nationally.

    Someone who lives where I do will have very different day to day experiences compared with a resident of Totnes.

    This is why it's important to consider all aspects of life, not just the local microclimate or the distance to the nearest airport.
    'It's a terrible thing to wait until you're readyÖ..Generally speaking, now is as good a time as any.' Hugh Lawrie.
    • glasgowdan
    • By glasgowdan 20th Mar 17, 9:03 PM
    • 2,881 Posts
    • 3,228 Thanks
    glasgowdan
    http://www.rightmove.co.uk/property-for-sale/property-58504189.html
    http://www.rightmove.co.uk/property-for-sale/property-65058509.html
    http://www.rightmove.co.uk/property-for-sale/property-46913658.html
    http://www.rightmove.co.uk/property-for-sale/property-46622004.html
    • gld73
    • By gld73 20th Mar 17, 10:11 PM
    • 203 Posts
    • 122 Thanks
    gld73
    Towns across the central belt tend to have the best travel connections as you can easily get to Edinburgh and Glasgow. However, Inverness airport has daily BA and KLM flights connecting to Heathrow and Amsterdam respectively, so you can readily access anywhere from there too. Inverness is a city but more like a big town - everything you need there, without being too big. There are towns and villages within quick and easy striking distance if you don't fancy Inverness itself; Dingwall, Nairn, Beauly for example.

    High ground gets snow, but the city itself doesn't get much as it's at sea level.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,860Posts Today

7,758Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin