Owning your own home

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  • I'm using Navigate Mortgages in NI. But that's only because my sister works there so am not paying the normal fee. But, initial impressions are good. Broker is technically independent and whole of market.

  • Yeah. Mike Brown is the business.

  • Thomas Line at the Penny Group helped us out - looked a touch big corp / city but we went with them based on friends recommendations, was a really good experience and so far at least, no regrets!

  • Thanks everyone, if Mike Brown is the Forum approved™ option that sounds good to me.

  • Yes he's the man.

    Also he's on Zwift!

  • I should get commission

  • Asbestos related query

    This board is on the ceiling just at the back of my garage. I’d like to remove it and cover with hardboard or a like. I know I could just cover. But will need to possibly drill into it so would prefer to remove.

    Can anyone recommend a way to get this tested


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    • C08D2F97-3C6D-448D-AFDB-10171FA54376.jpeg
  • Ha, I like Mike already!

  • Is there any point making an offer on a house before you accept one on yours?

    We have an offer that we are going to decline, no idea if buyer will up there offer to what we want or not.

    In the meantime we found a place we really like, in budget.

  • I was speaking to our buying agent yesterday. There's nothing to stop you, but a number of things make your offer more attractive. The main thing is being able to proceed. Not having an offer of yours will count against you, but having your place listed and there being enough interested for offers to have been submitted it a positive.

    How long has the place you're looking at been on the market? Do you know if the price has changed at all? Have they had other offers/many viewings?

  • My hot water smells of sulphur. A cursory google tells me it's likely caused by elevated levels of hydrogen sulphide and sulphur bacteria in the water. All the results are about replacing anodes in water heaters - however I don't have a water heater, just a combi boiler. On top of that the smell only comes from my kitchen tap, not the bathroom taps downstairs or upstairs. What kind of problem am I experiencing? I'm planning my #40kKitchen for early next year at which point I'll replace the boiler so ideally I don't want to have to shell out too much now.

  • Ours has been on a bit over 2 weeks, the place we like has been on 3.

    The agent said theres two offers currently so we need to act, but tbh she had pushy salesman all over so I’m not sure i believe her. We’re not desperate so in that case we may just fling an offer in and see what happens

  • Maybe. Depends how desperate they are to sell. Have they found somewhere yet? How far off was the offer you're going to decline, that shows a good amount of interest.

    We had an offer accepted on one place and they agreed to take it off the market for a month whilst we tried to sell. We couldn't find a buyer so it went back on the market and went to someone else (at a lower price I suspect).

  • They have no chain, moving abroad.

    Offer was 25k under asking, 15k under what we will accept.

  • Offer was 25k under asking, 15k under what we will accept.

    What's that as a percentage?

  • Do flats your way sell at asking (or over?). Houses seem to, but as a rule flats not so much (always exceptions though depending on pricing).

    On stuff that isn't super desirable 5% under asking seems to be the thing.

  • Were not really sure, given how much outdoor space we have theres not a huge amount to compare too, and how much initial interest theres been were going to hold on for 340 for a while i think

  • Yep, until you've spotted somewhere you want to buy you can hold out.

    Also worth sending signals to the EA when you get an offer that's too low. "We'd like to consider it. But they need to find a bit more money." if it's just £10k they need. Etc. Always give the EA hope, that way they'll go back and pump for more money if they can.

    Also always worth qualifying the buyer. i.e. how are they paying, are they chain free etc.

  • I've had this before. Although I was living in Reykjavík at the time, and everyone's hot water smelled of rotten eggs.

    Have you traced the hot water pipes back to the boiler? It's odd that it would be from one tap only.

  • also interesting, the place we really like was sold in 2017 for 465k.

    Its on at 725k right now, it has had every single room refurbished, redecorated, 3 new bath, new kitchen. but still seems like a laughable increase.

    also cannot find a single photo of it from 2017 sale which is strange

  • My hot water smells of sulphur. A cursory google tells me it's likely caused by elevated levels of hydrogen sulphide and sulphur bacteria in the water. All the results are about replacing anodes in water heaters - however I don't have a water heater, just a combi boiler. On top of that the smell only comes from my kitchen tap, not the bathroom taps downstairs or upstairs. What kind of problem am I experiencing? I'm planning my #40kKitchen for early next year at which point I'll replace the boiler so ideally I don't want to have to shell out too much now.

    A combi just heats the mains water as it goes through, either your mains water is bad, or there's a tee off the pipe somewhere which has been capped off and is too long (long enough to hold stagnant water).

  • Just tell them you have an offer

  • Only 3 bathrooms?

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Owning your own home

Posted by Avatar for Hobo @Hobo

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