The Moving House Thread
  • Damp.
    It all depends on if any damp has impacted the structural integrity of the building. It can be easy to paint over damp patches as a bodge fix to get a place sold.
    Get a full structural survey done.
    Damp can be caused by a whole host of things. Foundations, the roof, cavities between buildings, next-door's property (which you may not be able to do anything about), someone not opening the window after a shower.

    Offers
    Unfortunately in England seller is King until the date of exchange. It is a ludicrous system.
    What you want to do is demand the property is taken off the market as part of accepting the offer. This doesn't protect you legally at all but will prevent others viewing and so improving your odds.
    Saying that you are not tied into an accepted offer. If you have a survey done and it shows a lot of work is needed you can amend your offer to suit and it will be up to the seller to accept or decline the new offer.

    There are sealed bids but very rarely.

    Personally I told them I would pay asking price and to take it off the market. My advice would be to pay what you think it is worth and no more or less.
    For the brief time I looked in London I found people were getting into bidding wars for stupid money. Flats priced at 185k in the morning were being sold for 220k by the end of the day. The problem with this is it can quickly lead to negative equity if the markets don't continue to rapidly rise.

    Big piece of advice.
    Always, always be ready to walk away. There will be other properties.
  • Thanks Luv, (auto correct stays)

    Tallies with our thoughts and findings, and yes ofc full suvey Will be had.

    Kinda hoping any construction folks or home owners with experience of similar may chip in?

    @Roujin you build stuff don't you?
  • Paul the sparky
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    Liveinadamphellhole summed it up to be honest. If the property has been empty then you can get some mouldy damp caused by condensation, but you can sort it out with a scrape and some antifungicidal paint. This happens in bathrooms etc. and is nowt to worry about.

    The full structural survey will pick up the other types. They could be caused by leaks in the roof which isn't cheap to fix, or if it's your external walls which are affected a bit of salt retardant rendering will do the job.

    It's not the end of the world, but I'd get someone in who offers a guarantee as it can be tricky to sort out and if it's not done right first time you're snookered.

    I did what Liv did with the offer too, gave them asking price and told them to cancel the veiwings they had planned and take it off the market. The asking price was at the upper limit of our budget so we couldn't fuck about, and I think the seller realised we meant serious business so accepted the offer and blammo, deal done.
  • Thanks Paul - the property is occupied at the moment and tbh the only person who has said 'damp' is a buyer who pulled out, and no proper survey or other check has been done, so I'm not 100% convinced.

    I think we're going to put an offer in at asking price and see what happens; asking price is a fair bit lower than our budget so we have flex.

    On a related note (and whilst you're here) - if we wanted to change wiring/electrics for a floor, how much would we be looking at? We've just heard as well that the electrics on one of the floors can be 'iffy', and I'm concerned now of a money pit situation. Having said that, as above, we're below our max and have additional funds to pull in if we want, so a bit of a spend and some elbow grease doesn't scare us off provided it's a 'fix it and that's it' situation and not a 'forever trying to fix it' thing.
  • If you arent in a chain (first time buyer) then let them know as that is another strong bargaining chip.
  • Paul the sparky
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    Get a full periodical test done if you're worried, that should pick anything dodgy up and they'll give you a list of stuff to sort out. Worst case scenario is a full rewire, probably about £5k for a three bed, but worth it for price of mind and all the socket outlets you could desire. They're recommended every 25 years anyway, so no doubt the place is due one.
  • Put an offer in, get the survey. If there's damp, lop the cost off your offer.
  • One thing I forgot to ask @nick_md 
    Is it leasehold or freehold? If leasehold this could heavily impact who is responsible for fixing the problem. It may even prevent you from fixing it even if you were happy to pay.
  • Freehold! we've done a fair bit of research already so know the key things to look for.

    I guess the main thing that I'm questioning atm is whether having money to fix any problems means they're actually fixed for good. I've been in rented accommodation before with problems that just seemed to always return. I want to be sure that we can be confident that if we have the money, we can repair and prevent.

    And aye Griff, we'll definitely be negotiating following any issues found.

    I dunno, maybe over cautious but I guess we're right to be so.
  • Its a huge thing, you a right to be cautious.

    I imagine getting a decent builder/surveyor would be key really. A good builder will be able to tell you how much it will cost, what is causing it and what steps you should take to prevent it re-occuring.


    The building my flat is in is a rock solid Victorian building. Next door is a shitty thing thrown together in the 50s. My building has a slightly curved wall so instead of building up to it they left a gap between the two buildings, it's only about 10cm wide ats widest but full of dead leaves and mulch.. Apparently nextdoor has serious damp problems because of it. The land likely belongs to my building, which means unless the freeholder is feeling generous and lets them build up to it the building next door is always going to have those problems.
  • nick_md wrote:
    Thanks Luv, (auto correct stays) Tallies with our thoughts and findings, and yes ofc full suvey Will be had. Kinda hoping any construction folks or home owners with experience of similar may chip in? @Roujin you build stuff don't you?

    Harro!

    I dunno the ins and outs of what an estate agent can tell you but I'd try and get hold of the the person who pulled out and ask where they saw the damp.

    Damp can can be anything really from relatively minor stuff like grout being fucked on a tiled shower wall and leeching through to the other side (I SAID RELATIVELY MINOR) to oh fuck the the foundations have had it and water is osmosising it's way through the cracks like a motherbitch just waiting for the weather to get cold and then it's gonna blow fucking chunks out of the cement or mortar when it freezes. 

    Too hard to diagnose really without pictures or more info. Was the house generally in good condition throughout when you saw it? How was the property and how recently had it been decorated?
    "Let me tell you, when yung Rouj had his Senna and Mansell Scalextric, Frank was the goddamn Professor X of F1."
  • Hey folks, thanks everyone for the recent advice. A new question to pose for you:

    With the recent turbulence in, well everything, due to shexit (better term for it that I'm coining now), can anyone proffer any advice re. fixed term rates? Currently umming and ahhing over best option: better rate at shorter fixed, or not as good a rate but longer (safer).

    I guess this question hits every buyer regardless of shexit, but figured perhaps there are some savvy folk here with the finger more accurately on the pulse of 'the market', as much as one can.

    All rates all pretty good atm tbh so perhaps this isn't something that can be answered. I'm leaning towards better rate at a shorter fixed term.
  • Wasn't there something in the news about interest rates going to go up or down or something soon?
  • davyK
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    If you can afford to cover the impact of a rise then variable or tracker may be OK. Any rise is likely to be modest at the present time.

    All depends on your circumstances. If you need stability re monthly outgoings then fixed is better.

    When I borrowed last year for the extension a fixed deal worked out cheaper for some odd reason. So we took that for 2 years but my mortgage is in 2 parts - original + extension fund. My original which is a base rate tracker went down a bit recently.
    Holding the wrong end of the stick since 2009.
  • Thanks all, bit of a 'do what's best for your circumstances' Q I suspect.
  • Yeah.
    I got a 2 year fixed dealy. The idea being the broker will ring me 6 months before it ends and we look at switching to another fixed rate mortgage. A bonus being because I did it through Connell's I paid a one off, life time brokers fee.

    Ask yourself how much rates would have to go up by before you can't pay the mortgage and what would be your contingency plan.

    I can pay a reasonable amount more than my mortgage, I know this because my rent was 50% more than my mortgage is. I also have the option to move back to my parent's or rent/sell the flat if all else fails.

    Even if you are mortgage approved make the effort to speak to the broker at the estate agents, they sometimes have products not available on the high St.
  • Aye sound advice, cheers Luv. (auto correct stays).

    Looks like we're all set tbh, a nice 3 floor terrace towards the end of where the new crossrail will be, so into TCR in about 20 mins I think. Needs a bit of work but we've budgeted for it and we're enough below our max offer range to do what's needed.

    Questions now are will the survey find anything we didn't expect, and what rate/year mortgage to get.

    Tbh I'll be happy when it's all done so I can start planning the games room and start a new DIY cabinet project. She won't be happy.
  • Escape
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    I know this because my rent was 50% more than my mortgage is.

    This is what gets me. I was offered a £15k mortgage, but once paid £575 on rent.
  • Contracts exchanged, should be moving in 2nd March!

    Don't want to do all that again. Quite looking forward to having a games room back after 2.5 yrs sharing a studio with the missus.
  • davyK
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    A games room is a beautiful thing. No matter the size, level of disorder, or style. A beautiful thing.
    Holding the wrong end of the stick since 2009.
  • Thanks guys.

    Was looking at some home arcade porn earlier:

    FrljvoO.jpg

    ZhQRhXa.jpg

    cHPnvFA.jpg


    ...just gotta convince 'er indoors.
  • davyK
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    That Beatmania stuff is a new level of hardcore. The space that must take up and the bloody racket it must make.
    Holding the wrong end of the stick since 2009.
  • davyK
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    My wee games room is slowly taking shape. I'm decluttering now. For me less is more.  Oddball controllers are an enemy. I've getting rid of some bongos, guitar and DJ controllers - games I haven't played in ages and likely never will again.

    Keeping my CRT though.
    Holding the wrong end of the stick since 2009.
  • I'd like to get a CRT again, I have quite a few ps2 games that I simply can't play effectively on HD.

    That last pic I posted is completely OTT, they're actual cabs and aye, would make a fucking racket. I really like the sleeker, custom made efforts in the first two pics, particularly the Sound Voltex in the first pic, looks lovely.

    I think best I can hope for in the immediate future is a smallish HD, a CRT and a stand for controllers. Would be happy enough.
  • 17499167_10212927939052295_4937632608496527_n.jpg?oh=6fa6a3edb568365da3d83e0ee9b9ae41&oe=59571055

    This is the house my wife wants to buy.

    It has a hot tub.
    The Forum Herald™
  • Another forum swinger.
    You should PM Sparkly.
  • davyK
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    Is the wagon wheel part of the deal?
    Holding the wrong end of the stick since 2009.
  • So I'm moving again.
    Bigger place with a little courtyard but will have to share again. We'll see how that goes.

    But best thing is going from
    pM9jbBo.png


    To


    FqE1UMJ.png
  • Escape
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    Yeah, Tophatter's shit.

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