Now we've moved somewhere we can actually see trees and grass the cat just fucks off all day now. It means we've started seeing the odd bird carcass brought back as a ritual sacrifice gift but the plus side is that her litter tray goes unused whereas neighbour gardens get it instead.
My dickhead cat comes back in to use the litter tray then fucks off outside again.
Good cat.
I'm sick of scooping up other people's cat's shit off my lawn. Yet I'm the bad guy if I retaliate.
I'm about to have my mortgage meeting with my broker today to go again with the B2L. That timing
HSBC BDM said it looks like they reassessed the case and that we should crack on.Originally Posted by AyDee
Potentially v, v, v lucky given it's a 5 year rate. Now just need to try and get to completion asap!
Got a 4.09% 5 year-fixed which isn't the end of the world. There were a couple better deals but I wasn't meeting their criteria for some reason. 2% fee isnt great but apparently pretty standard for B2L. Bring on the negative equity baby.
Trying to use Barclays online chat and I've been sat at "approximate wait time: 140 minutes" for around an hour now. Took me about half an hour to even get into that queue too. Before that it just kept saying they were too busy and to close the window and try again later.
Guessing there's quite a lot of people out there worried about their mortgages.
I'm sticking with mine at this rate until it expires in October 2023. Heard people were buying themselves out of 1% rates to 4% a year early on the basis it's going to be 6+% come next year (so 9% SVR?).
Madness.
Stick with what you have got and overpay is the answer. Next year once we have hit the peak rate there is a chance that rates may start to fall as they try to restart the economy, that is what people are not looking at or thinking about.
Don't take the higher rate now just for the sake of it. Be better served to just see it out as is.
Yep I'm gonna save as much as I can on the basis it'll be shite, sell the Z4 and throw money in to something that will potentially lose 20% of it's value.
Lmao.
The mortgage we were looking at yesterday (£1,350/mo) has gone up to £1,580/mo today. We're currently paying a just over grand per month.
They’re just wild animals that use multiple households for handy feeding.
Anyway, 2 down so far. Bacon never fails.
Looks at his £327 a month mortgage.
Do you live in a bucket of piss?
St Helens, so basically. I live in Leyland but had a 5% deposit mortgage on unfavourable terms to get a larger loan so pay £612 a month. Fixed until Februrary 2024 but the rate jump wont actually be much for us anyway, nearly 5% as it is
My wife see her friend for lunch today, who's friend works for LLoyds. () Apparently, they're going to remove all the fixed rates and put everyone on a variable rate. Absolute bull shit.
Never going to happen. For one mortgage lenders make far too much money off fixed rates especially the longer fixes.My wife see her friend for lunch today, who's friend works for LLoyds. (
Yeah that sounds like a Kwarteng idea, 'stick them all on variable lol!'
'Where have all our customers gone?'
So it's quite unnerving seeing the smart meter on these new rates.
The e-mail my energy company sent me about how the handout will be applied has led me to believe I might end up better off (or at least worst no worse off), so lol at the big house losers.
The cap rise is ~£50 p/m but they're giving us £66 p/m back for 6 months. If you were already on the cap, you shouldn't be any worse off at least in the short-term assuming your usage stays the same.
Unless I'm missing something?
My direct debits have gone from £90 to £25. Not a clue.
The kWh has went up. So my usage has stayed the same but it's an extra quid a day at least.
That won't factor in the "£400 over six months" rebate so at £1 per day you're ~£200 better off.
Turns out we were like £600 in credit so we're paying next to nothing for a while.
Can you donate some to Magic? Bless him.
I thought only those on "low income" were getting that. It's just the £60 per month for us slightly less plebby plebs.
I've been on variable rate since I moved last October with Bulb. Pure shite. No credit for me.
Everyone gets it. £400 split over the next six months (£66 p/m).
I'm with Scottish Power (no idea why) and they appear to have no idea what's going on.
We only recently managed to get them to come out and swap the prepayment meter with a normal one and the Direct Debit has gone up and down more times than Mahows Stepmum since then.
This prompted me to check the British Gas app. First thing I saw was a YOU'RE NOT PAYING ENOUGH message. Bloody great.
But then I checked my account and while I'm paying £240 a month, my account is £833 in credit.
WTF. They upped it from £150 a month in June as well.
I'm a twit
It's pro-rated over the year, so their projection is over the full 12 months that your winter usage will be higher than the current amount you are paying
Stamp duty cut not getting binned.
Although the rates and shit have fucked the little reward that offered.
We had an offer accepted on a place in September. It seems it being marketed as chain free was a load of shit because the seller keeps looking to delay completion (latest proposal being to exchange in Dec and complete in Feb).
Tempting to tell them to complete in the next fortnight or we'll look to renegotiate the price (Halifax index had properties down 2.7% in October and November alone) but equally can't be arsed with scaring them off and having to find a new place. Is this shit just another standard chapter of this hideous bullshit process?
They've probably shat it on wherever they were going due to all the 'financial turbulence'. You have a strong hand in my opinion, tell them to sort it or you're fucking off. A fella round the corner had his up, no offers, reduced by 30k, no offers, took it off. Two others near me including one that sold within days and was a show home (in magazines and shit) have failed to complete. Show home staying put and the other one has the sign back up. Buyer's market right now.
Beano you sound like a right busybody cunt.
Buyers market if you’ve got cash not if you need a mortgage.
Honestly thought this thread was for House Music so was slightly gutted thinking Lewis jammed along to it.
I was paying attention because I wamted to sell my house, how else wae I supposed to gauge the market locally? Ask you to dig up some post from 2005?
When did Lofty become Beano and why?
I think he mentioned once that's his nickname in real life and Lewis latched onto it.
Seven years of renovations on this house is done. The sofa for the lounge got delivered this morning.
Time to get it valued and find another fuck off project.
Desperate Dan would be a better nickname.
What did you do to the house? Internal refurb, or extension?Seven years of renovations on this house is done. The sofa for the lounge got delivered this morning.
Time to get it valued and find another fuck off project.
What's the verdict on Purple Bricks? I know for selling they're offering a nice simple fixed-fee package which lists the house on Rightmove/Zoopla etc which is basically all that I suspect is required in this day and age. Is there a drawback with using them? Are they just as good if letting your property out?
A friend of a friend used them recently for selling up. No complaints.
I've been told by more than one person that procuring a property they're advertising was a pain in the arse and they eventually gave up because "Purple Dicks" were so obstructive.
I'm a twit
Taz seems to be trying to buy/flip a house every other week.
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