The real pros and cons of buying an ex-council home

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The real pros and cons of buying an ex-council home

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Victoria Mews 根據 Bradley Van Der Straeten Architects
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Thanks to rising house prices and interest rates, more and more people in the UK are struggling to get on the property ladder, but estate agents have noticed something of a buying trend developing! In short, people looking to own their own houses are more open to considering an ex-council home and while the benefits are obvious, we wanted to take a more rounded look at this plan! Come with us now and see if an ex-council home could be the answer to your prayers and if you can overcome the cons associated with the process!

The Pros!

Just a normal London home! 根據 The Market Design & Build 古典風
The Market Design & Build

Just a normal London home!

The Market Design & Build

The biggest upside to buying an ex-council home is that they tend to be far cheaper than comparably-sized properties, within the same area. This is even more of a selling point if you are already renting a council house, that offers you the opportunity to buy it, as your previous years of rent are usually taken into account and deducted from the value.

Let's not forget that ex-council homes will usually be of a good build quality, as local authorities had no interest in ongoing maintenance costs, plus, they were designed to comfortably and safely house families, so they are usually surprisingly spacious! A three-bedroom home really might not be out of reach!

Even if you don't want to live in an ex-council home forever, you'll find that they offer fantastic rentability! As the start of a property portfolio, a lower-cost ex-authority house will never be difficult to rent out, if you buy one in a nice area that is family friendly!

The cons!

Highgate 根據 TG Studio
TG Studio

Highgate

TG Studio

Dealing with the local council, in a bid to buy a property they own, is a definite downside to the whole idea! Local authorities are notorious for not making things massively easy and can even drag their feet a little bit, but keep pushing and you'll complete in decent time, if you want to!

Another con of buying an ex-council house is that it can be difficult to get a mortgage arranged. Extensive surveys will be needed and a thorough audit of your finances will all be necessary but then on top of that, you'll have the annoyance of offset price reductions, if you have been a council tenant for a long time. If you ask the council who they suggest getting a mortgage through, this might speed up the process.

Finally, we are going to add in a con that actually, we don't think anyone should be affected by these days. Some people might think that there is a stigmas attached to owning an ex-council home, but what do they know? If anything, it's a sign that you have been savvy with your money, spotted a viable opportunity and struck while the iron was hot. We think that should be applauded, not frowned upon!

For some home improvement tips to make more of your ex-council home, take a look at this Ideabook: Home upgrades for under £100!

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