I've still got my alerts and shortlist from when we moved nearly 2 years ago, one person wouldn't let us have another viewing of a house we were interested in because they had too much interest and 'didn't want their time wasted'.
After we moved I got to enjoy watching their house list as sold stc for a few weeks until that fell through, then see it go back on the market and reduce at least twice before I stopped looking. At least their time was used wisely.
I've always been baffled by that attitude. Maybe they're just so oblivious to the fact buying and selling a house isn't that simple.
On that topic, we had a no-show viewing on ours. Really fucking annoying when you spend a couple of hours cleaning and arranging for the baby to be out at a relative's because the viewing was scheduled for bath/bed time. We sold in less than a week anyway but still pissed me right off.
Part of the reason why I was keen to just accept the latest reduced offer on mine was not wanting to fuck about with more viewings (and the fact I'd removed the furniture, fixtures and fittings like curtain poles and other staging so it looked nowhere near as good).
WTF is happening here?Price Change History
27/06/2023 Price changed from £795,000 to £875,000
27/06/2023 Price changed from £875,000 to £795,000
03/06/2023 Price changed from £795,000 to £875,000
06/05/2023 Price changed from £825,000 to £795,000
29/04/2023 Price changed from £875,000 to £825,000
18/04/2023 Price changed from £880,000 to £875,000
07/11/2022 Price changed from £780,000 to £880,000
01/10/2022 Price changed from £800,000 to £780,000
13/08/2022 Price changed from £845,000 to £800,000
24/07/2022 Price changed from £875,000 to £845,000
06/07/2022 Price changed from £845,000 to £875,000
06/07/2022 Initial entry found: £845,000
I think that they put the price up and then back down so it has the REDUCED flag on RightMove. Our estate agents did it when our first sale fell through - apparently they're not meant to do it, and get told off by RightMove. Luke Emia might have more insight.
I got the keys today, I'm really happy with the place, it's a great price, good natural lighting, multiple rooms + seperate kitchen etc. but the part I have to share with the world?
Does your toilet come with a fireplace?
No cold toilet seat in the winter
The state of that silicone work.
My dad would have kittens if I showed him that.
My new kitchen is being fitted over the next fortnight - ripped out next week, new bits delivered on Friday, painted on Saturday and then fitted the week after. Emptying your kitchen into cardboard boxes is a) boring and b) very time consuming. No idea where we’re gonna store the actual kitchen units when they’re delivered, cos all our free space is now taken up by boxes of pans, crockery, cutlery, cleaning stuff, tupperware, and everything else. Nightmare.
I'm a twit
Whats wrong?
Due to family going on holiday and my lack of a car I haven't managed to move in yet. Lucky in a sense because visiting today to pick up my Sky Router I realised the place does not come with a fridge.
https://www.bbc.co.uk/news/business-66199622
28% of people already struggling with mortgage repayments, which will be exacerbated by the rental struggles, and we've got another 1m mortgages to renew at £500+ more a month. This feels like the early days of the pandemic when it was steaming towards us and we had our heads in the sand.Some 43% of tenants said they were finding it difficult to afford the rent between February and May, the Office for National Statistics (ONS) said.
That compares with 28% of mortgage holders struggling with repayments.
So glad we fixed for 5 years in February.
What percentage of your household income does everyone spend on their mortgage each month?
Mine's probably less than 10%. I think I should have moved house rather than buy a new kitchen.
I'm a twit
With the whopping increase I'm facing next year it'll be about 33%, which as long as I have a job at the current level I seem to be able to be employed at, will be fine, but if I am thinking about this selfishly from my perspective it's what the fuck happens to house prices when people start defaulting.
I know those in the know say they won't, but those in the know also said I'd be fine by the time it gets to a September 2024 mortgage renewal.
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Four years left on my current rate. Mortgage makes up for around 19% of total income.
It's about 20% for us, and that's after it went up by £300 this year. We could definitely afford more, and I think we'll probably move once the kids are a bit older.
With all this shit and China clearly coming at some point (and fuck knows how messy things get then) one thing I have decided is I want this mortgage off my arse as soon as possible. The increase in the rate as it is now from when I last fixed would lead to me paying an extra £160,000 back over the remaining life of the mortgage should it stay that way and frankly, fuck that.
About 17% for me (fixed until 2026), with the same again going out in rent. I think I could survive most scenarios.
Same here - think I got my new deal sorted around March and it came into effect around the end of June. It made my payments go up about £70-80 a month which I was a bit annoyed about at the time but now it looks fucking great. Seems like I lucked out and got it sorted in the dip between Truss and now.Originally Posted by SvN
Same. We are still waiting to move in to our new house but we fixed for five years at the end of March at a good 2% lower than what is available now.
18% for us, we are also saving £1000 on top each month so when our 5 year fixed ends we have a few options.
I'll either pay off a big chunk of the mortgage or buy an investment property.
About 24% for us, fixed for 5 years when we bought in Dec 2022. Feel lucky with it really.
We refinanced late 2020. 5 years into a 30 year mortgage since rates were low and went down to a 20 year mortgage. Fixed rate for the full term.
We are at around 15% on mortgage to salary.
For the places I've been after, I'd be looking at 23%
Zero.
I paid off my mortgage on my (shit) flat a few years ago, hence the reason I started throwing money at shares.
I’ve debated buying a house for several years and selfishly - a housing crash would suit me quite well. In an ideal world I’ll never have a mortgage north of £200k again. But I don’t have aspirations of living in a nice house.
You folks down London way get the arse end of the deal.
Mortgage renewal through. £1256 from £726.
I took mine out in July 2021 at 3.09% for the first two years, and renewed it the other week with the same bank at 4.64%. The standard rate was 4.5% when I took it out, so assumed - possibly wrongly - that I would end up paying about that after two years, so I'm alright with it. I will start over-paying as well when the new rate kicks in next month.
Not sure where else to share it but;
Part of finally getting a place in the UK means that I can actually take on a few possessions I asked to inherit from Grandparents that weren't worth transporting to Switzerland/I was in temporary housing etc.
So I've been doing a bit of refurbishing.
My Grandpas Chessboard:
Then:
Now:
And I've taken each piece and a mixture of Swiffers to dust, Toothpicks to scratch away dirt that had caked underneath the dust and then compressed air/alcohol wipes has returned the pieces to life (forgot to take a before pic)
and then also this parrafin lamp from my Grandad. We think it's somewhere between 1895 and 1910:
They're absolutely beautiful and it does make you hate this current mode of 'make shitty thing so they have to replace it in 3 years' era is.
The quality on that chessboard.
My mortgage broker sent me an email today advising of his impending retirement. Not a day over fifty.
It's absolutely impossible to find an affordable sofa that isn't a plank of wood on stilts.
Got some class ones over the years second hand on DoneDeal (rich cunts love changing things they've never used). Any good second hand sale site over there?
Everyone seems to just use Facebook Marketplace these days.
So, no.
Gumtree was a thing in NI when I was there but maybe it was a local thing.
Yeah, Gumtree only operates in a narrow strip between Warrenpoint and Armagh.
Anyone normal know?
It's still a thing but facebook marketplace is probably more popular these days.
I love my place and I've got an absolute deal on it but the constant seagulls might drive me slowly insane. It's like having a beachside property except I'm overlooking a police station instead of ladies in bikinis.
Rich cunts round here use the Booths supermarket advert card wall rather than the internet.
I finally found a sofa I liked and was affordable and this was under delivery.
It definitely doesn't exist.
Isn't that the name of Jez's accupuncture doctor?
Bought a piece of second hand furniture today for 80 quid. My mum wanted a picture but I hadn’t picked it up yet so I googled the brand and era it was from. Going for 575 quid online.
Check it for bed bugs.
Experiences with Octopus Energy anyone? Moving into the new house and Scottish Power is the current supplier and they're wanting £220 a month. Octopus will start us off at £170, which I think is more in line with our actual usage.
Aren't they the only 'Which Approved' energy supplier [/thepowerofadvertsing]? My in-laws are with them and they seem pretty good [they're also fairly savvy so I assume it is a sensible/good choice]. I didn't know they were taking on customers again, or was that only during the initial all energy companies going bust phase of the gas price crisis?
I think it's game on again. A lot of companies are offering fixed deals at below the cap again (although only for existing customers currently).
I use Octopus for residential and business. Never had an issue, and they were the cheapest at the time.
All this chatter and not a referral link in sight.
I'm a twit
Am I stupid to be buying a house right now? I finally convinced the missus about doing it but her parents have started chiming saying it’s a stupid time to do it and to wait until next year for interest rates to be lower.
Where’s the guarantees that it will get better to the extent it is worth holding off for a year? Have an agreement in principle and meeting with the builders tomorrow but who knows if that is happening now. Fackin woman
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