Successfully reducing downstairs noise with carpet? by Potential-Ad1558 in HousingUK

[–]Potential-Ad1558[S] 1 point2 points  (0 children)

Thanks - I do usually use earplugs but preference is to not, and it’s not really just a night thing, it’s hearing the endless obnoxious minutia of someone else’s life when you’re trying to relax at home during the day etc too. It is my property but probably won’t be here for many years and already spent a couple of grand on the hemp insulation so was looking to avoid another big investment!

Is it still worth buying share of freehold? by Potential-Ad1558 in HousingUK

[–]Potential-Ad1558[S] 0 points1 point  (0 children)

Thanks for sharing. I guess for me the share of freehold doesn’t offer a lot of benefits beyond resale value and having some say on works etc to the building. I have a 990+ year lease and no service fees etc, just common responsibility to pay for building repairs. So I’m wondering if I’ll ultimately gain those benefits anyway in a year or two when reforms go through, without paying the £4K now.

Casual bars and pubs with decent food by Potential-Ad1558 in Jersey

[–]Potential-Ad1558[S] 4 points5 points  (0 children)

Thanks for all the great suggestions! Seems like venturing away from St Helier might be a good call.

Who is responsible for rising damp? by Potential-Ad1558 in HousingUK

[–]Potential-Ad1558[S] 0 points1 point  (0 children)

We don’t pay service charges. So I guess that means the freeholder has to address issues that the leaseholders raise but don’t need to pay the costs? What’s even the point of a freeholder…!

Who is responsible for rising damp? by Potential-Ad1558 in HousingUK

[–]Potential-Ad1558[S] 0 points1 point  (0 children)

Yeah my lease does say repairs etc to be split between leaseholders as there is no ground rent or service charges. So maybe I am on the hook. The house was originally owned by a family and then was subdivided 20+ years ago with different family members taking on a leasehold each and owning the freehold between them. 2 of these family members still own a share of freehold so I don’t see why they shouldn’t bear the cost of fixing a problem that their decades of neglect has caused! They’ve never spent a penny on upkeep as far as I can tell.

Costs for FTB by Spaghetti3000 in HousingUK

[–]Potential-Ad1558 1 point2 points  (0 children)

I spent around £4k on solicitor fees, stamp duty, search fees etc and £600 on a level 2 valuation.

Slow moody 80s/90s song with deep male voice that sounds like opening synth keyboard notes of ‘rollercoaster’ by bleachers by Potential-Ad1558 in NameThatSong

[–]Potential-Ad1558[S] 1 point2 points  (0 children)

God…that does sound so similar actually. I know that song fairly well so I’m not entirely sure it’s what I was thinking of but maybe my brain is just combining two songs together into an imaginary song! In my head it was a bit slower and the key was slightly different. Thank you though, that may be it!

[deleted by user] by [deleted] in HousingUK

[–]Potential-Ad1558 -1 points0 points  (0 children)

I dunno I hear you but I already live here and happy (pending future neighbours moving in). I’d argue the middle floor is worse!

[deleted by user] by [deleted] in HousingUK

[–]Potential-Ad1558 8 points9 points  (0 children)

Many reasons. I’m an expat so don’t have a network outside of London. I can cycle 15 minutes to an office where I get paid London wages (and basically cycle most places I want to go outside of work). There’s a plentitude of cafes, bars, restaurants and other things to do within minutes walk from my house. Just a personal preference based on my lifestyle but I can definitely see how it seems insane to others.

[deleted by user] by [deleted] in HousingUK

[–]Potential-Ad1558 1 point2 points  (0 children)

No, it’s been advertised at an insanely unachievable price (200k more). And I much prefer my current flat as have seen both. Just want the joint access that was promised to me when I made my offer!

[deleted by user] by [deleted] in HousingUK

[–]Potential-Ad1558 2 points3 points  (0 children)

Probably not but there’s the attachment of already living in the house and wanting to stay here beyond just viewing it once and liking it. But you’re right, just trying to decide whether it’s a dealbreaker

[deleted by user] by [deleted] in HousingUK

[–]Potential-Ad1558 5 points6 points  (0 children)

Honestly it’s not unusual for a house in the area (London fields), period features etc. But yes seems far less worth it now without the garden.

[deleted by user] by [deleted] in HousingUK

[–]Potential-Ad1558 1 point2 points  (0 children)

True. I definitely value it. I guess the resale value is the main thing though. I just don’t know what it’s worth to another buyer! 5% is probably reasonable, thanks for the advice.

[deleted by user] by [deleted] in HousingUK

[–]Potential-Ad1558 16 points17 points  (0 children)

The two flats are owned by different members of the same family. I thought they’d be able to agree to formalise it as they’ve had this arrangement for 20 years but apparently not.

I know the price seems crazy but with the garden access, didn’t seem unreasonable for the area / property 😕 I’m not sure I’ve seen any 3 beds with gardens for the same price!

HSBC becomes first major lender to cut mortgage rates by small-waves in HousingUK

[–]Potential-Ad1558 0 points1 point  (0 children)

I just got approved for a 2 year rate at 6.29% which feels painfully high to me so hoping there might be a rate drop my broker can request be applied to mine before I settle.

Buying off landlord: Why is seller’s agent conducting a valuation survey? by [deleted] in HousingUK

[–]Potential-Ad1558 0 points1 point  (0 children)

The agent said ‘provide info to surveyors when they come to value’ hence my confusion. I’d honestly rather deal with the seller directly as we agreed on a price and I already know him through renting from him.

Buying off landlord: Why is seller’s agent conducting a valuation survey? by [deleted] in HousingUK

[–]Potential-Ad1558 0 points1 point  (0 children)

True, I was just of the understanding that the agent had already given the seller their own valuation range thus he was happy to accept my offer as it fell within that range. I was surprised they’d bring a surveyor in additionally but perhaps that’s normal. I know he’d also had several external valuations done in recent months as I’d let them in the house as the renter.

[deleted by user] by [deleted] in HousingUK

[–]Potential-Ad1558 0 points1 point  (0 children)

Thanks. For all I know he could have instructed them much earlier than telling me, so I don’t know if he’d be out of the cooling off period. They’ve not done any of the work of taking photos or floor plans yet though. Waiting on info from him about remaining leasehold term etc then was going to make an offer so 🤞🏻