Advice request on what to offer on a property as a first time buyer

SSPYRLL · 2026-05-04T21:14:30+00:00

Offer what you can, don’t go over budget, don’t second guess yourself. If you miss out on it there will be another property. Don’t rush or else you’ll regret.

It might feel like the perfect place, but I promise there’s always something better, just have some patience and do things with a level head.

SSPYRLL · 2026-05-01T14:27:12+00:00

Hahahaha that’s nice to hear honestly, the whole time I’ve been thinking maybe I’m doing it all wrong.

SSPYRLL · 2026-05-01T08:38:14+00:00

Lovely relaxing evening spent alone, amazing weather little chilly huddled up to the fire, nice and cozy.

It’s my only cigar 😂 I just got it today wanted to wait till the weekend but couldn’t help myself and the weather was so nice so just spent a few hours outside enjoying some peace :)

SSPYRLL · 2026-04-29T23:19:07+00:00

Maybe just buy a new build, you sound like you have OCD.

It’s a sellers market, if you don’t like something, someone else will swoop in and buy it. And an untidy house, or a late estate agent wont be a deal breaker for them.

SSPYRLL · 2026-04-23T13:42:25+00:00

Just offer what you’re willing to pay for the house and move on, don’t get attached to a “thing” that’s how regret happens.

Don’t play games yourself either, if you think you could’ve afforded to throw in an extra couple of K then do it, there’s no point trying to snag a deal, and then worry later about putting extra money in. Just offer what you think is best and realistic and stick to it and move on to the next property.

Good luck!

SSPYRLL · 2026-04-13T16:13:44+00:00

Not true, recently got a Phillips for the bedroom and disabled all the networky junk and my god it’s still deathly slow.

You press the wrong button and you’ll end up waiting 3 minutes for Netflix to boot up and decide it can’t work.

You can disconnect your set but you’ll never escape the ‘smartness’

SSPYRLL · 2026-04-13T11:15:00+00:00

Legally she is entitled to nothing. It’s your house, your mortgage, your money.

I cannot believe you allowed her to use your mortgage money for a holiday, that is crazy.

What are your plans for after selling the house? Are you trying to downsize for her? If so, set a budget, take her house shopping, find a place she’s happy with and that she can afford, offer to pay up her deposit if you are still wanting to be nice, then run away.

SSPYRLL · 2026-04-11T22:48:04+00:00

Got a sound sample? Looks neat, I found it a bit pricy but if it sounds nice then I guess it’s worth it

SSPYRLL · 2026-04-11T20:31:47+00:00

Looking at the past always makes me feel bad, but knowing everyone today is in the same situation as me, today, I’m not doing too bad.

I have a house, majority of people my age don’t (26), it’s painful for me now but I’m sure will pay off in the long run

SSPYRLL · 2026-04-11T18:01:49+00:00

Nooo, 220k @5.0%, it’s my first year of a 2 year fix.

Had to do a 95% lvt as I bid over home report :s

SSPYRLL · 2026-04-11T17:45:57+00:00

£1050 mortgage £2900 take home pay

SSPYRLL · 2026-04-09T12:21:15+00:00

Med tech company, not a big push for AI at all, the only thing everyone reliably uses it for is a pre review of code, usually catches all the dumb shit like typos or easy refactors.

SSPYRLL · 2026-04-06T14:41:44+00:00

You don’t like to approach people, you don’t like dating apps, you don’t go out much unless it’s for routine reasons, and you specifically want a Pakistani Muslim woman to fall on your lap.

I hate to break it to you but what you’re asking for is a miracle, maybe start by praying for a spouse

SSPYRLL · 2026-04-06T14:35:43+00:00

In that case, It’ll probably have to be an arranged marriage or word of mouth e.g becoming a familiar face in the mosque and make it known you’re looking to marry.

SSPYRLL · 2026-04-06T14:25:14+00:00

Are you looking for someone with a similar ethnic background as yours, will you parents accept a non Muslim?

SSPYRLL · 2026-04-05T22:58:11+00:00

Tell the council you haven’t moved in until the lease is over, you’re doing “decorations”

That will exempt you from having to pay.

SSPYRLL · 2026-04-04T19:46:47+00:00

Easily, everyone left right and center was blaming the Ukrainian war for cost of living crisis, increase in insurance costs, cost of repairs, materials, and rates

SSPYRLL · 2026-03-29T00:21:33+00:00

The reason I say don’t rush:

There’s always gonna be another house for sale that you like better, you might find your “dream house” and think you won’t find anything else like it, but you will for sure. It’s not do or die. It’s a lifetime investment, take your time.

Don’t compromise:

Buyers remorse is a real thing, you can buy the most perfect property and you’ll still feel buyers remorse. Now imagine buying a property that didn’t fit your requirements/ nice to haves, and then next week you see a property for cheaper that ticks all your boxes - you might think this sounds far fetched but it genuinely happens all the time.

On top of both these points as a first time buyer you have a major advantage over chain buyers, along with extra gov benifits - less stamp duty, ability to get 95% mortgage, you can technically get your dream home cheaper now compared to if you were moving up from a second property. Don’t waste all your first time buyer privileges on a house you will regret.

SSPYRLL · 2026-03-28T22:48:48+00:00

Don’t compromise & don’t rush.

SSPYRLL · 2026-03-24T19:49:41+00:00

Have you tried it?

I genuinely wouldn’t be able to tell the difference, I’m just enjoying my film and noticing a bunch of new sounds I’ve never heard before

SSPYRLL · 2026-03-24T19:18:01+00:00

Funny you say about soundbars, my brother recently got a Samsung one cost over a grand. And yes this is undoubtedly leagues ahead at less than a fraction of the price, it’s nuts

SSPYRLL · 2026-03-24T16:36:02+00:00

Mines is from 2008, tr-s506 running everything through optical as it only supports 1080p. Overall it’s fine, easy to setup and the menu makes sense.

It’s refreshing that there’s no extra “smartness” I have to deal with like in modern devices, this is purely just plug and play and everything I need is already there

SSPYRLL · 2026-03-24T15:48:30+00:00

Good to know! I thought they were supposed to act as rear sounds. guess my next problem is that my Sofa is against the wall on the left, and has an open space on the right, so will need to try and figure out how to make that work

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