My DH wanted me to post this to the wise women of BB
Out of these two scenarios, which do you think you would be more in favour of doing:-
Scenario 1
? Buy a more expensive house (but not really expensive, just more expensive than scenario 2),
? maybe one that needs a revamped kitchen or bathroom etc,
? located in a good area
? most probably 10-20 minutes from work
? live in it for 5 years, until we can have 2 wages in the household again
? then sell to basically buy/build the house we want to live in long term, hopefully making some profit in the sale to assist in the new house.
? Although said profit would be marginal due to not being able to pay off a lot on the house due to the fact mortgage would be higher
Scenario 2
? buy a cheaper house than scenario 1
? either one that needs some revamped kitchen or bathroom etc, but ideally one that has already had this work done.
? Located in what is deemed to locals as a ?dodgier? area (but really just not as good as scenario 1)
? most probably 5 mins from work, so save money with fuel,
? potential to ride pushbike to work and save more fuel/money
? due to the fact that mortgage will be lower than scenario 1, should be able to make much larger payments
? therefore pay off loan quicker.
? live in it for 5 years, until we can have 2 wages in the household again
? then buy/build ?dream? house so to speak, and keep other house as a investment property.
? Due to lower mortgage repayments, rental received should cover mortgage and running costs of property, therefore paying for itself
? Then in future either keep investment property
? Or sell it, and most of the monies will be ours to pay off on our ?dream? house mortgage because hopefully we would have paid off the investment house mortgage.
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