Owning your own home

Yeah I wouldn't live there either

Edinburgh has around 10 more days of rain, annually, than London, and 100% more chance of being in the EU within 5 years.

People saying Glasgows got good weather are fuckin mad, its cold for 10 months of the year, mild for 6 weeks and good for 2. Thats the only thing I hate about it, the weather is shit but its still better than london.

Edinburgh going for independence alone? First ive heard of that.

Ha - nor would I. But if I thought it was a good idea I would definitely go west coast.

If EU membership is the main criteria
https://www.idealista.com/en/inmueble/92555239/

Lovely view of the motorway.

Plus weather and mtb trails

You can contemplate it while cooling off from the 35 degree sun in your private pool

Hazarding a guess here, but is that around Kilcreggan?

I’d imagine that Edinburgh would go along with the rest of Scotland if Indy ref 2 goes the right way.

Got it in one. Lovely weather here this week.

If EU membership is the main criteria

Rather lacking the FoM that would be required these days sadly.

https://espc.com/property/2-claremont-pa­rk-edinburgh-eh6-7ph/36009315?sid=663834­

I've looked at that a few times, would need to make an offer by Thursday and I'm not ready to do that.

I'd like to go and see this: https://www.rightmove.co.uk/properties/109835144#/?channel=RES_BUY

https://www.goldenvisas.com/spain

10 years

Funny how you can remember views from your childhood.

Just seen this place crop up:

Untouched and Outstandingly Kept Victorian House

I think the estate agents may be working on a somewhat different time period to the one I was expecting for untouched

https://www.rightmove.co.uk/properties/111413180?

I guess it isn't extended and the brickwork and roofing out front looks to have fared better than the neighbours.

But yeah untouched other than the fireplaces we ripped out and replaced with boarding and vent and the 50's electrics

Exchanging tomorrow, complete next Thursday.

We put the flat on the Market in September last year, and a combination of lockdowns and Government tinkering around cladding has made this such a saga.

I feel really sorry for anyone in a leasehold flat that actually has cladding.

Scottish people - do I have the right of it and this would need an offer of advertised price plus 20% to actually buy it?

If so, I need to significantly adjust my "max" parameter.

I wasnt being serious, and hopefully that doesn't happen. The mob currently running things up here couldn't run a bath.

home report value (o.o. price is typically 95% of HR) + 0-15% (depending on market and your liquidity/desperation)

that one is under offer though

Nah if it was me id look at the home report value and offer what I thought it was worth or could afford. This mythical figure is estate agents trying to maximise there taking and im also struggling to believe folk are paying £160k over asking for things of that value.

@dammit houses in East Lothian have gone as high as 30% over home report valuation. Less in Midlothian and Berwickshire. But that's just my experience, and relates to properties valued under £300k.

Ultimately you're likely to be bidding blind, which means you'll either be disappointed or haunted by a worry that you've overpaid and ripped yourself off. Be wary.

You'll need a solicitor to submit offers on your behalf, so get one lined up now. They can help with advice on what the market is like.

You need the difference between purchase price and mortgage valuation available in cash, as well as cash for mortgage deposit and cash for conveyancing (stamp duty is called LBTT up here btw) and cash for any home improvements, so work those into the budget.