I am often described as a cynic. I can see the point, however I maintain that I cannot possibly be a cynic as, despite my alleged cynicism, things often turn out worse than I expect them to. Therefore I contend that I am actually an optimist :-)
I have found few people willing to accept this self-assessment however!
Anyway, house advice:- 1. Even though it costs shed loads of money, don't just get the cheapest 'survey' thing - then at least you have some chance of come-back if the surveyor gets it wrong. Conceivably what you can do is to get the cheapest one (the 'valuation') for the mortgage then try and shop around and negotiate a price for the full survey from someone else separately - not that we did this, of course.
2. If things are flagged up by the survey make sure you really find out what is involved and how much it will cost.
3. Ask yourself do I really want to live here. If like me you are chronically middle class (I am not proud of this but have come to terms with it :-) ) be realistic about whether you will be happy with your neighbours. Remember that if you have problems that it will be a total nightmare, both on a day-to-day basis and from the point of view of selling it later when you have to own up to the problems. Remember that buying and selling houses costs money therefore you may not be able to afford to bail out of a bad decision straight away.
4. As per t__m__i's comment make sure you have adequate savings.
From the point of point 3, I imagine you will probably will be in a better position to make sensible decisions than I was. I was very naive. Hey ho.
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chiming
Yes but no but...
Date: September 2nd, 2004 11:33 am (UTC)From:I have found few people willing to accept this self-assessment however!
Anyway, house advice:-
1. Even though it costs shed loads of money, don't just get the cheapest 'survey' thing - then at least you have some chance of come-back if the surveyor gets it wrong. Conceivably what you can do is to get the cheapest one (the 'valuation') for the mortgage then try and shop around and negotiate a price for the full survey from someone else separately - not that we did this, of course.
2. If things are flagged up by the survey make sure you really find out what is involved and how much it will cost.
3. Ask yourself do I really want to live here. If like me you are chronically middle class (I am not proud of this but have come to terms with it :-) ) be realistic about whether you will be happy with your neighbours. Remember that if you have problems that it will be a total nightmare, both on a day-to-day basis and from the point of view of selling it later when you have to own up to the problems. Remember that buying and selling houses costs money therefore you may not be able to afford to bail out of a bad decision straight away.
4. As per t__m__i's comment make sure you have adequate savings.
From the point of point 3, I imagine you will probably will be in a better position to make sensible decisions than I was. I was very naive. Hey ho.