"I work from home three days a week, so I need somewhere for a desk. We'd like a spare room for family to stay. Under 30 minutes to the city centre. Budget up to £215,000."
The floorplan and how it fits you
| You need | This flat |
|---|---|
| A place for a desk | Partly The box room off the hall (1.9m × 2.2m) takes a desk but has no window. The second bedroom's bay would make a brighter workspace. |
| A spare room for guests | Yes The second bedroom (2.9m × 3.1m) takes a double bed, with the bay free for a desk. |
| Under 30 minutes to the city centre | Yes Partick station is a 4-minute walk, and trains reach the city centre in about 10 minutes. |
- The hall is large for a flat this size (about 9 m²) and mostly unused. Built-in storage there would free up both bedrooms.
- The kitchen is separate from the living room. Opening it up would involve a structural wall in a tenement, so it would need an engineer and a building warrant.
Purchase costs
At an offer of £215,000 as a first-time buyer, this is the cash needed on top of the deposit.
| Cost | Amount |
|---|---|
| Above the Home Report valueNot covered by the mortgage. Paid from savings. | £10,000 |
| LBTTWith first-time buyer relief | £800 |
| Solicitor's feesTypical quote, including VAT | £1,250 |
| Registration feeRegisters of Scotland | £600 |
| Cash needed beyond the deposit | £12,650 |
Things worth checking
- A planning application for a rear dormer two doors down was approved in May. Work could start while you're moving in.
- No factor is named yet. In a tenement, roof and close repairs are normally shared between owners.
- The Home Report notes category 2 damp staining in the bathroom, which the recent refresh may cover.
- The title conditions haven't been seen yet. These can include shared repair obligations.
Questions to take to your solicitor or the agent: Who is the factor? Is a closing date set? What work was done to the kitchen and bathroom, and when?
The price picture
Flats on this street have sold between 8% and 12% over their Home Report value since spring. On a £205,000 valuation, that's roughly £221,000 to £230,000.
With £10,000 available above the valuation, the highest offer that fits this budget is £215,000. Where to set your own limit is your decision.
