Buying a house

[ciphergoth]

I've decided to buy a house. Somewhere on the southern end of the Northern line, with two double bedrooms and gas central heating.

Flood me with advice!

For "house", read "living accommodation of some sort", by the way; in Edinburgh I'd write "flat" without thinking.

I was going to rent, so that spikeylady could get out of her Wimbledon place and to make sure we can live together happily before buying. But she is now moving in with ergotia and lilithmagna, so we're in no rush; and the mortgage payments would be something I could afford by myself if need be, so in the unlikely event that we can't live together happily it won't be a disaster. And it seems wisest to get out of paying rent to someone else and start paying it to myself as soon as possible. Plus it means we can choose our own fridge and suchlike - I really enjoyed that flexibility when we lived in Mir.

To forestall some advice:

• Yes, I'll go to a FIMBRA-regulated financial adviser
• Yes, I'll get a capital-and-interest repayment mortgage, not an endowment or interest-only

Comments

[winterthing.livejournal.com]

You're in Tooting right now? There are some nice places around there. My sister got a two double bedroom terrace, with a garden and a kitchn/dining room for 190k. It's absolutely gorgeous and only 5 min walk from the tube station.

Li'l Sis and I did a quick look around the Tooting estate agents a couple of weeks ago as I'm wanting to buy as soon as I have something permanent (I don't like renting at all) and there does seem to be an absolute load of really quite nice places out there.