Is this the Third World? Is this the Third World? - Page 2
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  1. #11

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    Quote Originally Posted by LondonManc View Post
    What's your budget and what are you after?
    Detached cottage. Low 300s. Maybe a bit more.

    The one I've found ticks most of the boxes. Cheap too.

    I'm not out of the running yet - apparently some lenders are coming round to search indemnities as the problem is so bad in the area.

    May post about this in Accounting & see if any of the specialists respond.

  2. #12

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    Quote Originally Posted by Big Blue Plymouth View Post
    Detached cottage. Low 300s. Maybe a bit more.

    The one I've found ticks most of the boxes. Cheap too.

    I'm not out of the running yet - apparently some lenders are coming round to search indemnities as the problem is so bad in the area.

    May post about this in Accounting & see if any of the specialists respond.
    Heading west instead of east but I'm keeping my eye open for something in a few years. This looks lovely....

    3 bedroom detached house for sale in Halwyn Road, Crantock, Newquay, TR8
    The greatest trick the devil ever pulled was convincing the world that he didn't exist

  3. #13

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    Quote Originally Posted by LondonManc View Post
    Is that the singer or a Dorset council official of the same name?
    The singer. Has a clifftop mansion in Burton Bradstock and occasionally pens letters to the local rag banging on about how white Dorset is.

  4. #14

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    Quote Originally Posted by LondonManc View Post
    Heading west instead of east but I'm keeping my eye open for something in a few years. This looks lovely....

    3 bedroom detached house for sale in Halwyn Road, Crantock, Newquay, TR8
    Nice. Oddly enough, the one I'm bidding on is the same price. Thatched too.

    Insurance is pricey though - around £600-£800 a year buildings and contents.

  5. #15

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    Quote Originally Posted by Big Blue Plymouth View Post
    Nice. Oddly enough, the one I'm bidding on is the same price. Thatched too.

    Insurance is pricey though - around £600-£800 a year buildings and contents.
    Insurance is probably high because of the fire risk to the thatch (and not just from the occupants these days unfortunately).
    The greatest trick the devil ever pulled was convincing the world that he didn't exist

  6. #16

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    Quote Originally Posted by LondonManc View Post
    Insurance is probably high because of the fire risk to the thatch (and not just from the occupants these days unfortunately).
    Indeed. I've known a few go up in my time.

    In addition to the premium you have to demonstrate that you have adequate smoke alarms, chimney swept twice a year and that the thatch has been treated with fire retardant stuff.

    I love thatch though.

  7. #17

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    Quote Originally Posted by Big Blue Plymouth View Post
    The singer. Has a clifftop mansion in Burton Bradstock and occasionally pens letters to the local rag banging on about how white Dorset is.
    He could move to South London????
    "You’re just a bad memory who doesn’t know when to go away" JR

  8. #18

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    Quote Originally Posted by LondonManc View Post
    Heading west instead of east but I'm keeping my eye open for something in a few years. This looks lovely....

    3 bedroom detached house for sale in Halwyn Road, Crantock, Newquay, TR8
    On a road, no parking an no parking nearby due to double yellows. For that reason I am out. Lots of new houses being developed down there at the minute. I reckon 20% off this sort of price would make it almost acceptable.

    Cornwall is lovely when the sun is shining. Depressing for the other 90% of the time. I was brought up down there

    I would go south coast rather than north. Check out places around the Helford, lovely down that way.

  9. #19

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    Hang on a sec, you are in your fifties, unable to clear interviews and got suicidal tendencies, are you sure its the right time to buy a house ?
    Vote Corbyn ! Save this country !

  10. #20

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    Quote Originally Posted by LondonManc View Post
    Cash buyers - no mortgages. Mortgages are dependent on searches - buying houses in north Manchester typically involves having to pay for a mining search due to Agecroft colliery for example to prove to the lender that the property isn't at risk from an old tunnel collapsing.
    That's mental. We are buying somewhere initially as cash buyers but then switched to mortgage. Our advisor told us that the mortgage is never the slowest part of the process so it makes no difference.

    What if you're a cash buyer who wants a search? Or you do as we do and get the purchase agreed then get a mortgage once things are in motion?

    How are you supposed to get insurance if you haven't had searches performed in a known 'danger area'? Or later get a mortgage for that matter?
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