This isn't anything like thank thankfully. Just little cracks as the plaster dries out and stuff.Originally Posted by Benny
This isn't anything like thank thankfully. Just little cracks as the plaster dries out and stuff.
Me and 6 friends leased a house this summer. We paid the deposit at the beginning of the summer. the lease ended 2 months ago, and we still haven't gotten our deposits back. The landlady has been giving us excuses over email but its been so fucking long and we want to take it up with someone she answers to. Who do we contact about this issue? Is it entirely dependent on the terms of the contract?
For some reason I've been reading Mokbull posts as Mo posts for the last week. It's been a strange week.
I really need to paint my gaff too. And put some proper tiles down in the bathroom.
Or put up shelves. I've lived here 13 months and done nothing but burn the kitchen work surface with a candle.
What are some of you lot doing mortgage wise? Fixed, tracker?
Mine's up for renewal after this 3 year deal ends this month and I can get a 5 year fixed deal for over £100 cheaper a month now.
I'll be joining this thread soon. Had our first meeting with a bank this weekend and got a decision in principal for £270k.
Won't be buying until next August, but the wife is already glued to RightMove
Welcome to a world of pain, SVN
Doing a five year fixed rate which works out at my half being substantially cheaper than I pay now for rent. I'm telling myself I'll save the difference, but I'm not convincing.
I think a longer-term fixed rate is sensible. It's surely going to go up at some point so having it tied to the interest rate is risky.
It's weird how much you can borrow vs. how much it would actually cost to repay. I swear some people must be living way over at the edge of what is affordable.
The Bank of England have scotched a rate rise until 2017 at the earliest haven't they?
There's a very realistic possibility these incredibly low rates will (have) become the new normal. They've been rock bottom for what, 7 years? Society has become accustomed to them.
I've been floating all that time and every year it's all 'fix at 5 percent now!'. No thanks.
My fixed rate is up in march, hopefully I can drop below the current 4.5%.
That's what I've been at for 3 years and can get the deal I mentioned above at 2.69% I think it was.
And that reduces it by 100pcm?
How much you owe/years?
It'll be just under £101,500 and 22 years.
Fuck mine is 154000 and 38 years. I'll see a much bigger drop but want to reduce my term.
Try running the numbers through this-
http://www.moneysupermarket.com/mort.../?goal=MOR_REM
When you asked how much I owe, I take it you were meaning currently and not from the start of the mortgage?
Indeed I did.
The more I look at it (and being in London you see a weird slice of the market) the more I think the wheels are about to come off.
I'd highly recommend fixing for as long as you can and also not over-stretching if you're thinking of buying. If (when) they jack up the interest rates it's going to fist a lot of people quite severely.
I've asked around but they can't really get much lower, can they? 5 years gives a bit of flexibility still.
My word I can fix for 5 years at a low rate, shave 8 years off my mortgage and pay 111 quid less per month.
Hello homeowners and suchlike.
If any of you are thinking of getting Sky TV, if you let me "refer" you, we both get a free £125 prepaid MasterCard. So if you were thinking of getting Sky anyway, you might as well get a Baz Bonus with it too eh?
Just fire me a PM and I'll send you a code to use at www.sky.com/125offer
Works even on the most basic of bundles.
I'm a twit
Thinking about over paying my mortgage a bit, anyone got any experience.
Reckon I could chuck 5 grand in comfortably and it should hopefully bring the interest down a bit.
I overpay monthly.
Still no luck finding a flat, seems to be a shitload of basement flats coming up at the moment, but of course they don't tell you that in the listing, rather they call it a 'ground floor' flat.
Doing a quick google suggests I'm an idiot if I'm not paying a shit ton extra in whenever I can.
The interest saving gained by overpaying is
Going to see if I can work out the maximum I can chuck in.
Usually it's 10k a year. God forbid you want out of debt early they even fine you heftily for that. Who wrote this system?
Just had the mortgage approved, so we'll be celebrating by sitting in the dark and cold and saving money. Should have been done a while ago but Nationwide decided to only tell us after the application was sent that they only take on so many from a particularly geographical area at any time, so it's lucky they have a name that reflects such a policy. Dicksplashes.
Chatting to a mortgage bloke who recommended re-mortgaging every 5 years when the interest jumps up. Worth considering.
What do you mean, 'when the interest jumps up'? It's probably not a bad idea, to be on the best deal possible, but then he would say that. Depends on your circumstances as well, really.
Found a place we quite like so will go for a 2nd viewing this weekend and then hopefully put an offer in.
These estate agents for it are total helmets though. It's like you're putting them out by asking questions about the place you've seen for 20 minutes and are considering spending hundreds of thousands of pounds on
So the company I spent 2.5k with getting new patio doors, kitchen windows and side door has went out of business, and my side door latch is stuck in so the door doesn't close. It needs the handle pulled up to bring out the additional latches to close. Fuck sake.
I've just put shit in the attic, to be met with a puddle, a leaking window, nearly all the rafters on one side of the roof pishing wet.
$$$
Just pretend you didn't see it.
I've been pretending for the past year and a half.
Going back to the mortgage discussion this month. Anyone done Help to Buy? I'm wondering if it works for us because we've got a situation where my credit score is not good, we earn about £35k a year between us but because of her savings/parents, we've got a sizeable deposit available.
Doing it at the moment in order to get in now rather than waiting to save a bigger deposit, with there being no loan fees for the first five years we're going to pay it all off by that point instead.
Along the same lines, what is the maximum (percentage) deposit for Help to Buy?
5% minimum is advertised all over, but I'm guessing if there's a minimum, there's a maximum too.
I think you can theoretically go up to more than 50% deposit, but if you're near that point there's no point in getting a second loan alongside the mortgage.
How was that? My friends have talked about doing that in the past, more as a pipe dream than anything else. I imagine it would be either amazing or terrible.
Living with friends is great.
Living with a nagging bitch is better. Amirite, Magic?
So I chucked in 5 grand before Xmas to count for last year. I've also chucked in another grand over the last few days based on a collection of coins I cashed (£250Doing a quick google suggests I'm an idiot if I'm not paying a shit ton extra in whenever I can.
The interest saving gained by overpaying is
Going to see if I can work out the maximum I can chuck in.) and some Xmas money.
Still owe £130k mind.
Winning the lottery sometime soon would make this much easier.
So my roof has been condemned.I've just put shit in the attic, to be met with a puddle, a leaking window, nearly all the rafters on one side of the roof pishing wet.
$$$
10k plus 2k for eaves. That's cash, by the way.
Woof. The joys of living in a flat.So my roof has been condemned.
10k plus 2k for eaves. That's cash, by the way.
That sort of outlay puts a divorce back about three years.
Fucking hell.
Can't you get the insurance to pay for that?
No. I've only got 3k saved up now somehow.
I could add it to the mortgage but I've asked my dad for a loan to be paid back as best we can.
What does condemned mean in this context? Is the house habitable?
Yeah it just means it's only going to get worse and is unrepairable.
Will you have to move out for a bit while it's fixed/you get a new roof?
You could go live with the in-laws.
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