My First House – Ian Harris, Watsons

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Ian Harris, of Watsons, and also the Norfolk chairman of the NAEA, National Association of Estate Agents tells us about the first place he called home.

Here we go – my first purchase was in 1982. A traditional leap-in terrace house in NR3. I remember that were really chuffed to get a house in our price range but, it was right on the limit of our finances – wait for it – just over £17,000! Even compared with the current credit-crunch, getting a mortgage was hard.. Every lender offered pretty much the same variable rate deal. Then you needed to have £1,000

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invested for at least a year before even getting a mortgage interview and if you were borrowing over 75 pc of the valuation you would have to pay a one-off insurance premium to cover the lenders’ potential losses should you default!
Just a pause for thought – if prices go up by the same percentage in the next 27 years a terrace in NR3 will sell for around £765,000 in 2036!!!!
I can hardly believe that a white fitted kitchen with red accessories was great style – I do still have that red-handle carving knife in the kitchen drawer. The market rose sharply over the next two years and we the had the opportunity to buy a small suburban detached house at an attractive price. Unfortunately, our terrace wasn’t quite ready for the market but nothing that two weekends plastering and painting couldn’t fix. We eventually moved in to our second house just two and a half years after buying our first.
*You can contact Ian Harris at Watsons on 01603 619916.

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