It's hard to believe really. I lived in the same house with my parents for 19 years, moved into a flat then 5 months later buy a house. I have that house for a little over 13 years and then sell it and move into a rented house in West Yorkshire with my fiancé. Then 5 months later we move into our new house, in Ossett, West Yorkshire.
Martin, the 5 month rental man. Ha. Anyway, our new house is a three bedroom semi-detached in quite a nice cul-de-sac. Well, its actually more like a multi-sac, cause there's cul-de-sacs everywhere. The house has a small backyard, a drive way that will just about take 4 cars, a small front lawn, a downstairs toilet, quite a large living room, quite a small dining room and a compact kitchen. We love it.
It's an interesting story about how we came to get this house. Our landlord had given us notice to quit after the 6 month tenancy was up, this was with about 2.5 months to go. Great. So, we get slightly panicky - we have about 10 weeks to find somewhere to live and buy it (or rent it). So we work out the finances, and are amazed to find the bank will lend us about £170k. Which is kind of interesting, because we feel we can only actually afford to borrow around £120k.
We spot a house in another area of Batley (where we were living). It's an old house with a modern-ish extension. We go to look at it, and we hate it straight away. It's £106k and we start to think we might not get what we want for our £120k.
We go driving round Batley looking at houses we've seen within our budget, and we're not liking what we see. Then we stumble on a house a few hundred yards from the first house we looked at, and it's gorgeous. No decorating required, fantastic condition, just about 6 years old. And it's just under the £120k mark (by a whole £50). We have our offer accepted, and are over the moon. We get a survey done, we get the mortgage moving, we're about to get the searches done. Then we find out the vendor hasn't got a property, and won't commit to a completion date. Now there's about 6 weeks left. So the brown stuff hits the spinny thing, and we're in full on panic mode.
We're once again trawling the net looking for a house to buy, and seriously considering going for another rental. Then we find this house for sale which is £10k over budget, but looks really nice. We go look at it and notice the house under the same roof is also up for sale with the same agents - but £5k less. We went round the property on a Saturday. We liked it, it was well decorated, and didn't need anything doing to it before we moved in. And no chain. Bonus. But we'd also arranged to see the property next door, on the following Wednesday, and it was £5k cheaper.
On the Wednesday morning before work, I looked at the agents website and am stunned to see the house we are going to look at that day has been reduced by £5k. Right into our budget. We go look round the house at lunchtime. It's the same as next door, but just not as tidy. The house was 7 years old, and the curtains and carpets are the ones originally put in by the builders, and it probably hadn't been painted in those 7 years. But it's now £10k less than next door, and £10k will buy a lot of carpets and curtains, and paint. As we walk out from the viewing, another couple arrive. We phone the agent and make the offer of the asking price there and then. By mid-afternoon our offer is accepted and we have a tentative completion date.
We had to chase, even bully the solicitor and bank a few times, but we got completed on the day we wanted to - and a whole 3 weeks before our rental expired. |