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#681540 - 2nd Apr 2012 11:17pm Buying cheap houses.
Kieran1981 Offline
Enthusiast

Registered: 20th Aug 2011
Posts: 189
Loc: Bromborough
Hi, I am 30, and having always rented, I am starting to think about buying my own place. I have seen some decent houses going for 45k in Rock Ferry. Where are the no go areas? I was looking at flats for 25k on New Ferry Road, but apparently mortgage lenders don't like flats, and there's the hidden extras like service charges, so maybe a house is the best option, and assuming I won't be single forever, it might be a wise choice. I only earn 22k a year so only really want somewhere cheap and cheerful. Don't want to be spending every penny I have on bills and mortgage and having no life, so 50k is my maximum budget, which means I have to look at more run down areas I guess. I don't mind to be honest, as long as they aren't crime hot spots full of drug dealers and prostitutes.

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#681544 - 2nd Apr 2012 11:22pm Re: Buying cheap houses. [Re: Kieran1981]
Lightning Offline
Forum Master

Registered: 24th Jan 2012
Posts: 2397
Loc: different one and love it
lol i beg your pardon, rock ferry west is nice.i bought a nice house in that area no trouble at all.
its had a bad name but is being a sought after place to stay since last year.
you will get piss heads and drugs dealers anywhere,
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#681560 - 2nd Apr 2012 11:48pm Re: Buying cheap houses. [Re: Kieran1981]
Kieran1981 Offline
Enthusiast

Registered: 20th Aug 2011
Posts: 189
Loc: Bromborough
I was only asking where the no go areas where lol. I can only say what other people have told me as I don't know Rock Ferry well. I have only lived in Wirral for 2 years

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#681571 - 3rd Apr 2012 12:01am Re: Buying cheap houses. [Re: Kieran1981]
Lightning Offline
Forum Master

Registered: 24th Jan 2012
Posts: 2397
Loc: different one and love it
I believe you i was the same, some tell you different areas what are nice or not.
and rock ferry was one east side is crap but west is now posh lol.
the bottom line is that ,if you looking you should look about and see what property you want and area ?
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#681574 - 3rd Apr 2012 12:10am Re: Buying cheap houses. [Re: Lightning]
Elizabeth Offline
Veteran

Registered: 28th Jul 2011
Posts: 718
Loc: Prenton, Wirral
Originally Posted By: Lightning
I believe you i was the same, some tell you different areas what are nice or not.
and rock ferry was one east side is crap but west is now posh lol.
the bottom line is that ,if you looking you should look about and see what property you want and area ?


I'm curious, which part is the east and which roads are considered west?

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#681591 - 3rd Apr 2012 7:39am Re: Buying cheap houses. [Re: Kieran1981]
manic28_am Offline
Enthusiast

Registered: 10th Jan 2010
Posts: 143
Loc: New Ferry
Similar to you. In 2008 I moved to New Ferry from Wallasey as it was all I could afford. I sat outside my house in day and night to have a good idea about anti-social behaviour etc before buying. Dont forget to use www.police.uk also to check stats. PM me if u wish if I can help u more. Andy

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#681593 - 3rd Apr 2012 7:56am Re: Buying cheap houses. [Re: Kieran1981]
saiyan_gmt Offline
Enthusiast

Registered: 16th Aug 2008
Posts: 136
Loc: wallasey
if you buy a cheaper property and decide the area is not for you then you can always rent it out and with such a small mortgage you can be pretty confident it would be self funding (providing you have tenants) BUT like us you may find you love the area and never want to move....
Dnt forget realistically in the current market you need around a 10% deposit and a squeeky clean credit record.....I work for a mortgage adviser so let me know if i can be of any help

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#681631 - 3rd Apr 2012 10:46am Re: Buying cheap houses. [Re: Kieran1981]
ex0__ Offline
Forum Addict

Registered: 25th Apr 2011
Posts: 1337
Loc: 1337
50k is exceptionally cheap, even for Rock Ferry. The only purchases we see that low are property developers buying repo's at auction, and the majority of those are over 50k and need serious modernisation (talking thousands if not tens of thousands).

And yeah, you'll have to pay the 10% deposit as standard. Unless you buy privately and then sometimes it goes down to 5% or nothing if you both know each other. On top of that you have your solicitors fees, mortgage broker fees, any repairs that need doing ..

Edit: Don't knock the prostitutes, might come in handy if you do end up being single forever tease
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#681677 - 3rd Apr 2012 12:24pm Re: Buying cheap houses. [Re: Kieran1981]
BandyCoot Offline

Forum Veteran

Registered: 7th Dec 2008
Posts: 5346
Loc: Birkenhead
Rule of thumb, you're better buying the worst house in a good road rather than the best house in bad one. Read that somewhere but it's true. Can't advise on areas myself as only recently returned to the town myself, I'm happy where I am but I know some people wouldn't be. It all depends on your requirement. Good luck anyway and I hope you get what you want.
Can't advise on the bag shanties, haven't a clue.


Edited by BandyCoot (3rd Apr 2012 12:25pm)
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#681692 - 3rd Apr 2012 12:42pm Re: Buying cheap houses. [Re: Kieran1981]
Lightning Offline
Forum Master

Registered: 24th Jan 2012
Posts: 2397
Loc: different one and love it
Originally Posted By: Kieran1981
I was only asking where the no go areas where lol. I can only say what other people have told me as I don't know Rock Ferry well. I have only lived in Wirral for 2 years
I know, same here but a bit longer here.
Another thing i did as well was buy auction property cheap and you can do them up yourself if you got time.
i can pm you some auctioners if you want,they will send you a catalogue with propertys up for auction.
i bought one in a prime area and sold it.
And bought my one in Rock ferry,
glad i did.
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