Welcome to WikiWirral, sharing is what we do best.
Forum Stats
12285 Members
65 Forums
73042 Topics
985395 Posts
70 posts in the last 24hrs
Max Online: 7831 @ 8th Apr 2013 4:18pm
Who's Online - Click Me
13 registered (3 invisible), 193 Guests and 78 Spiders online.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


(Views 7days)This Weeks Most Read
Police Camera Van Smashed 629
Windows 10 latest "Creators" Update 413
New Brighton Big Wheel 355
STREET MAPS 347
Garden Waste Bins 336
How worried should we be? 308
Homing Pigeon 288
Historic tours of Ellesmere Port 261
The Durrells 238
Rock Lane West Crash - Road Closed 238
New General Forums
Death penalty --to Paradise !
by venice
26th Apr 2017 12:54pm
Tory manifesto for the NHS
by casper
26th Apr 2017 11:06am
Fakes Docs
by snowshoes
25th Apr 2017 12:27am
Happy birthday snowshoes
by lollipop
23rd Apr 2017 9:39am
New Wirral History
STREET MAPS
by Paternoster21
22nd Apr 2017 10:54am
Historic tours of Ellesmere Port
by Paternoster21
22nd Apr 2017 7:53am
whetstone lane boxing club
by oldbirkonian1
19th Apr 2017 6:34pm
Where was Wirral underground munitions factory?
by yoller
19th Apr 2017 10:01am
Memories or the chronicles of Birkenhead - Gamlin
by derekdwc
13th Apr 2017 12:03pm
Forum Tips
Photo Gallery Forums
New Brighton Big Wheel
Birkenhead Transport Museum 24th Feb 2017
Topic Replies
How worried should we be?
by granny
10 minutes 30 seconds ago
Forum Updates : 2016 / 17
by Mark
31 minutes 15 seconds ago
April Photo Competition
by granny
Today at 09:29 PM
Might have changed my mind re death penalty.
by granny
Today at 09:19 PM
Garden Waste Bins
by granny
Today at 09:00 PM
Brownie Uniform Age 8 or 9
by Giggler
Today at 07:21 PM
Ribes
by locomotive
Today at 06:50 PM
Motorcycle Boots size 42/44
by locomotive
Today at 06:46 PM
Whitehall shut down
by fish5133
Today at 06:01 PM
April
M Tu W Th F Sa Su
1 2
3 4 5 6 7 8 9
10 11 12 13 14 15 16
17 18 19 20 21 22 23
24 25 26 27 28 29 30
Recent Posts : What's On ?
Gawthorpe Hall
by diggingdeeper
26th Apr 2017 3:16pm
Dunham Massey
by techgran
14th Apr 2017 12:57pm
Topic Options
Rate This Topic
#681540 - 2nd Apr 2012 11:17pm Buying cheap houses.
Kieran1981 Offline
Enthusiast

Registered: 20th Aug 2011
Posts: 192
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.

Top
Google Ads
#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,
_________________________
Confidence is feeling satisfied with who and what we are.




Top
#681560 - 2nd Apr 2012 11:48pm Re: Buying cheap houses. [Re: Kieran1981]
Kieran1981 Offline
Enthusiast

Registered: 20th Aug 2011
Posts: 192
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

Top
#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 ?
_________________________
Confidence is feeling satisfied with who and what we are.




Top
#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?

Top
#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

Top
#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

Top
#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
_________________________
-----
1337

Top
#681677 - 3rd Apr 2012 12:24pm Re: Buying cheap houses. [Re: Kieran1981]
BandyCoot Offline

Forum Veteran

Registered: 7th Dec 2008
Posts: 5352
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)
_________________________
Birkenhead........ God's own Room 101.

Top
#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.
_________________________
Confidence is feeling satisfied with who and what we are.




Top

Moderator:  Mod 
Random Wirral Images

Click to View Topic.
Newest Topics
Might have changed my mind re death penalty.
by venice
Today at 06:18 PM
Carpet Fitter
by JaseB
Today at 12:03 PM
Garden Waste Bins
by granny
Yesterday at 10:55 AM
Ribes
by locomotive
26th Apr 2017 9:16pm
Rock Lane West Crash - Road Closed
by diggingdeeper
26th Apr 2017 3:10pm
For Sale & Free
Brownie Uniform Age 8 or 9
by Giggler
Today at 07:21 PM
Maxi Cosi Tobi car seat 30
by Greenwood
Yesterday at 11:01 PM
iPad mini 16gb white
by lau2908
26th Apr 2017 12:57pm
iPad 2 16gb white wifi
by lau2908
26th Apr 2017 12:56pm
galaxy note 3
by lau2908
26th Apr 2017 12:55pm
Featured Member
Registered: 18th Sep 2013
Posts: 324
Newest Members
BritSol, errynbeattie, loubie343, windsail, Hollyange
12285 Registered Users
Today's Birthdays
Pete_Robbo (36)
New Wirral Info
Carpet Fitter
by JaseB
Today at 12:03 PM
Garden Waste Bins
by granny
Yesterday at 10:55 AM
Homing Pigeon
by rossie
25th Apr 2017 10:23am
Gawthorpe Hall
by diggingdeeper
25th Apr 2017 12:28am
Freemasonry unwrapped
by Tait1969
24th Apr 2017 8:21pm
News : New Topics
Whitehall shut down
by eddtheduck
Yesterday at 05:42 PM
Rock Lane West Crash - Road Closed
by diggingdeeper
26th Apr 2017 3:10pm
How worried should we be?
by venice
26th Apr 2017 8:35am
New Brighton Big Wheel
by cools
23rd Apr 2017 9:29pm
Found - cycle computer / speedo
by philmch
23rd Apr 2017 1:35pm
New Enthusiast Forums
Might have changed my mind re death penalty.
by venice
Today at 06:18 PM
Ribes
by locomotive
26th Apr 2017 9:16pm
Little Boy Blue
by cools
24th Apr 2017 6:58pm
The Durrells
by granny
23rd Apr 2017 6:39pm
Windows 10 latest "Creators" Update
by diggingdeeper
22nd Apr 2017 6:36pm
(Views 24hrs)Trending Newest Topics
Might have changed my mind re death penalty. 75
Carpet Fitter 38
Brownie Uniform Age 8 or 9 16
Wirral Sunrise Sunset
Sunrise Fri 5:41am
Sunset Fri 8:37pm
Local Time Fri 10:52pm
WikiWirral Can . . . .