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Thread: The House Thread

  1. #951
    Senior Member Andy's Avatar
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    Never needed a guarantor when renting.

    Have you got a full time job?

  2. #952
    Custom User Title phonics's Avatar
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    Buying a house because youíre bored of looking for houses to buy is a serious level of

  3. #953
    Senior Member Boydy's Avatar
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    Quote Originally Posted by Andy View Post
    Never needed a guarantor when renting.

    Have you got a full time job?
    Yeah. That's why I thought it was odd. I thought it was only something that applied to students normally.

    Emailed the estate agent and he said it's fine without one.

    Quote Originally Posted by phonics View Post
    Buying a house because youíre bored of looking for houses to buy is a serious level of
    Who's doing that?

  4. #954
    Administrator SvN's Avatar
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    They probably took one look at you and decided you were an absolute joke.

  5. #955
    Won the Old Board Lewis's Avatar
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    Quote Originally Posted by SvN View Post
    They probably took one look at you and decided you were an absolute joke.

  6. #956
    Senior Member SincereTheRebel's Avatar
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    Ive just been informed that the apartment I put a deposit down for, the whole apartment block is being sold to the housing associations and I now have to look for a new apartment. What kind of fuckery?

  7. #957
    Senior Member Giggles's Avatar
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    Quote Originally Posted by Boydy View Post
    Do all rental places ask for a guarantor? I thought that was only a thing for students and that.
    Here they ask for a guarantor, payslips, work reference, landlord reference, and 3 months up front.

  8. #958
    Senior Member Jimmy Floyd's Avatar
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    Jesus. That in a country full of empty houses too.

  9. #959
    Senior Member Giggles's Avatar
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    Quote Originally Posted by Jimmy Floyd View Post
    Jesus. That in a country full of empty houses too.
    There's a few ghost estates left out in the sticks near nothing (most are used or levelled by now) but there's none empty in areas where people want them. They're like gold dust.

  10. #960
    Senior Member Boydy's Avatar
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    Quote Originally Posted by SvN View Post
    They probably took one look at you and decided you were an absolute joke.
    Mean.

  11. #961
    Bookie Sir Andy Mahowry's Avatar
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    Stripping wallpaper today which might now be my least favourite job.

    It's not hard (especially on the back which is nice) but I'm covered in wall dust and I smacked my thumb a couple of times. Walls in this place are also really shit, a lot of holes and it's uneven in places with no plastering at all.

  12. #962
    Custom User Title phonics's Avatar
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    Stripping wallpapers great, it's so satisfying.

  13. #963
    Senior Member Giggles's Avatar
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    Quote Originally Posted by phonics View Post
    Stripping wallpapers great, it's so satisfying.
    Alright mokkers.

  14. #964
    Bookie Sir Andy Mahowry's Avatar
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    Quote Originally Posted by phonics View Post
    Stripping wallpapers great, it's so satisfying.
    Not so much when dust from the walls are spraying everywhere and paint (some dickheads painted the wallpaper) flakes shower you.

    The wallpaper here is crispy and by the style, at least 40 years old.

  15. #965
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    Operation upgrade to a house needs to happen soon.

    I'm going to make the final payment on my flat mortgage this month. Who needs savings?

    The amount of money I'll lose on this flat is astonishing, but hopefully offset in a house. Want to have the feeling of being mortgage free for a small period before I get absolutely balls deep in debt.

  16. #966
    Administrator John's Avatar
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    https://m.realestate.com.au/property...gill-131914778

    Not the most tastefully decorated place anyway but fuck me things take a turn at picture eleven.

  17. #967
    Senior Member Giggles's Avatar
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    That just needs torched.

  18. #968
    I used to be funny.
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    The framed United shirt was the last straw.

  19. #969
    Senior Member SincereTheRebel's Avatar
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    I need a new sofa.

  20. #970
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    I'm finally getting close to buying a house.

    Anyone have any handy advice to the steps, when they should occur and any pitfalls to be aware of?

    Ta muchly.

  21. #971
    Won the Old Board Lewis's Avatar
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    Taking on a mortgage at your age could be an issue.

  22. #972
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    That much I do know, and it's not a problem.

  23. #973
    DEATH TO THE WEIRD Raoul Duke's Avatar
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    Do you have an agreement in principle?

    I think it's risky as fuck buying in this market, what with Brexit fucking shit up all over the shop.

  24. #974
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    Haven't even seen the place I'm interested in yet, going on Wednesday.

    Been looking for a while for one that ticked all the boxes, with a view to waiting until Brexit is sorted, but on the basis that a) I could be dead before it's sorted, b) I've thought all along we won't leave and c) that's looking more likely than ever at the moment, I may as well just crack on if I do find the right one.

  25. #975
    Won the Old Board Lewis's Avatar
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    You live in Oxford don't you? Their property prices would survive the Apocalypse.

  26. #976
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    Yep, they're fucking ridiculous.

    Four-Hundred grand for a 3 bed is about where it is now and that's in a market that is somewhat deflated apparently.

  27. #977
    Won the Old Board Lewis's Avatar
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    Any Brexit-related hit they did receive over the next year or so would presumably be made up a million fold over the course of your mortgage.

  28. #978
    DEATH TO THE WEIRD Raoul Duke's Avatar
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    Quote Originally Posted by Yevrah View Post
    Haven't even seen the place I'm interested in yet, going on Wednesday.

    Been looking for a while for one that ticked all the boxes, with a view to waiting until Brexit is sorted, but on the basis that a) I could be dead before it's sorted, b) I've thought all along we won't leave and c) that's looking more likely than ever at the moment, I may as well just crack on if I do find the right one.
    If you want to put an offer in you'll need an Agreement In Principle which is basically the bank saying you're good for £x00k. You can get this without knowing which specific place you want to buy.

    House prices are on their way down at the moment (albeit they're inflated massively over a 40-year period), so don't pay too much heed to asking prices.

  29. #979
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    Quote Originally Posted by Raoul Duke View Post
    If you want to put an offer in you'll need an Agreement In Principle which is basically the bank saying you're good for £x00k. You can get this without knowing which specific place you want to buy.

    House prices are on their way down at the moment (albeit they're inflated massively over a 40-year period), so don't pay too much heed to asking prices.
    Thanks Raoul. For the agreement in principle can I use anyone online and then go with a broker to get the best mortgage I can or is it bad form (from the seller's perspective) not to stick with whoever has issued the agreement in principle?

  30. #980
    Senior Member Spikey M's Avatar
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    Get a mortgage advisor. Ours cost £600 but he had a database of all lenders, their criteria for lending, how much we'd be lent and what our repayments would be. It helps you get the best bang for your buck. There was £50k difference on what we could get from different lenders and the repayment costs vary hugely.

  31. #981
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    I thought brokers/advisors were free as they're bringing you to the financial institution that will lend you the money and therefore take their cut from them?

  32. #982
    Senior Member Boydy's Avatar
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    Or just search online and save yourself £600.

    https://www.landc.co.uk/

  33. #983
    Senior Member Spikey M's Avatar
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    Quote Originally Posted by Yevrah View Post
    I thought brokers/advisors were free as they're bringing you to the financial institution that will lend you the money and therefore take their cut from them?
    The initial appointment was free, but they saw the whole thing through to the end with minimal fucking about for us. We had to sort a new fixed term out for ourselves last year and it was a fucking nightmare. I'd happily chuck a few hundred at someone to do it for me next time, never mind sorting out a mortgage from scratch.

  34. #984
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    Those were the people I'd had recommended to me Boyd.

  35. #985
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    Quote Originally Posted by Spikey M View Post
    The initial appointment was free, but they saw the whole thing through to the end with minimal fucking about for us. We had to sort a new fixed term out for ourselves last year and it was a fucking nightmare. I'd happily chuck a few hundred at someone to do it for me next time, never mind sorting out a mortgage from scratch.
    Oh so they did all the soliciting and paperwork etc? I thought you had to get someone to do that stuff for you.

  36. #986
    Senior Member Spikey M's Avatar
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    Quote Originally Posted by Yevrah View Post
    Oh so they did all the soliciting and paperwork etc? I thought you had to get someone to do that stuff for you.
    For the mortgage yes. You have separate solicitors for the rest of it. The whole thing is a nightmare.

  37. #987
    Senior Member Andy's Avatar
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    Quote Originally Posted by Yevrah View Post
    I thought brokers/advisors were free as they're bringing you to the financial institution that will lend you the money and therefore take their cut from them?
    My uncle is an ex mortgage advisor, basically it's never free and you'll always end up paying somewhere along the line.

    Some our transparent and say they charge X amount whichever lender you go with and some say it's 'free' and then try and guide you towards a certain lender where they get a massive amount of commission and you end up with a worse deal.

    Best to find either someone you fully trust or go with a big company who have good reviews as they are usually more transparent with how they charge and youll end up with the best deal for you at the end.

  38. #988
    Bookie Sir Andy Mahowry's Avatar
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    £8.3k to connect electricity for the top flat

  39. #989
    Senior Member SincereTheRebel's Avatar
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    Why did it not have electricity in the first place?

  40. #990
    Bookie Sir Andy Mahowry's Avatar
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    Quote Originally Posted by SincereTheRebel View Post
    Why did it not have electricity in the first place?
    It's a house (which has electricity) that is being converted into two flats.

    The ground floor two bed flat will use the existing connections but the first floor one bed needs to be connected to gas, water and electric. The gas at £400 or so is a bargain it seems.

  41. #991
    Senior Member SincereTheRebel's Avatar
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    Brothels just need running water. Forget about all that extra shit.

  42. #992
    Senior Member Jimmy Floyd's Avatar
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    Completed today. Got my keys, went in there, turned the fridge on, made sure the taps worked. Did a massive IKEA order. Booked a broadband man.

    Should be habitable by mid October. Absolute scenes.

    There are things you don't think about, though. Like lampshades. How many saucepans do I need? Do I need a microwave? Do I actually need bookshelves, or are they just to show off? What can I actually keep in the 'garden shed' I have just discovered I have, when I don't have a garden? These things will keep me occupied until I die.

  43. #993
    Senior Member Giggles's Avatar
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    3 saucepans; sauce, regular, and stock. For all the price of a microwave you might as well. The shed will depend on how dry and pest free it is.

  44. #994
    Pretty Much Amazing Mike's Avatar
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    Quote Originally Posted by Jimmy Floyd View Post
    Completed today. Got my keys, went in there, turned the fridge on, made sure the taps worked. Did a massive IKEA order. Booked a broadband man.

    Should be habitable by mid October. Absolute scenes.

    There are things you don't think about, though. Like lampshades. How many saucepans do I need? Do I need a microwave? Do I actually need bookshelves, or are they just to show off? What can I actually keep in the 'garden shed' I have just discovered I have, when I don't have a garden? These things will keep me occupied until I die.
    My advice is donít buy anything telling yourself ďIíll have that for now and upgrade it in the futureĒ cos you wonít. Iíve still got a blind that I donít like, but it works and Iím to lazy to replace. Only got it as a temporary one. Same with my light shades.

  45. #995
    Bookie Sir Andy Mahowry's Avatar
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    Quote Originally Posted by Sir Andy Mahowry View Post
    £8.3k to connect electricity for the top flat
    We told UK Power Networks that we wanted the meters outside on the side of the house and they've now passed it on to their projects department because it will now take a total of 43m of cables. No idea how it will take up 43m but clearly they want to add a fuckton more cash to the pile.

    I've gotten Npower involved now who will contact some third party contractors as it really shouldn't be this costly.

  46. #996
    Senior Member Spikey M's Avatar
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    Get Team Engineer to sort you out.

  47. #997
    Senior Member Giggles's Avatar
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    I’ll steal you the cable.

  48. #998
    I used to be funny.
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    I assume that involves tying next door's sky wire to your rear axle and flooring it.

  49. #999
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    Quote Originally Posted by Andy View Post
    My uncle is an ex mortgage advisor, basically it's never free and you'll always end up paying somewhere along the line.

    Some our transparent and say they charge X amount whichever lender you go with and some say it's 'free' and then try and guide you towards a certain lender where they get a massive amount of commission and you end up with a worse deal.

    Best to find either someone you fully trust or go with a big company who have good reviews as they are usually more transparent with how they charge and youll end up with the best deal for you at the end.
    A whole heap of that isn't true. Some will charge fees, some won't depends on what they want. Ideally they won't but there isn't much money in mortgages normally about £400 per 100k of borrowing is what an adviser gets paid. No lender pays significantly more then any other really.

    But, there are unscrupulous advisers out there who won't put you with a certain bank for the money but more for the ease of putting you with an easy lender. Any adviser should be upfront about any fee they charge should be stated in an initial meeting and what they get paid by the lender should be clearly outlined in both an initial key features document and on your mortgage offer.

  50. #1000
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    Quote Originally Posted by Boydy View Post
    Or just search online and save yourself £600.

    https://www.landc.co.uk/
    You could and wind up with mediocre service. Or you could speak to someone in your local area who is independent and probably wouldn't charge you anywhere near 600 quid. With the added bonus of not having to spend an initial 45 minutes speaking to someone who isn't even qualified.

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