Owning your own home

It varies lender to lender, some totally ignore bonus/commission payments if they're not guaranteed, others allow something.

My old job was about 30% basic salary 70% commission and I had different lenders offer me a max mortgage of between £140,000 and £350,000.

You'll need to talk to a mortgage broker.

How old is the house? If it's pre 50's there's a chance you don't have a main earth connection which would jack the cost up somewhat.

My broker used half of my commission added to by basic.

Old Victorian terrace. It was split into two flats in the 80s though (separately metered, etc) so hopefully should be a bit more up to date.

You'll probably be fine then, just need it updating with modern parts.

If you're self employed (?) speak to CMME; they'll go with contract rate x hours, plus commission. Whether you have the appetite for a 6k+ a month loan is up to you...

You'll need to talk to a mortgage broker.

Aye this.
I spoke to a guy, sent him some docs, he spoke to the underwriters and boom, they gave me an approval in principle, 3 days later.

While I'm here, cash buyers suck! I'm on an outbid downer.

House hunting is eating into my LFGSS-time and is proving to be more much more dangerously expensive than being on the Watches thread.

Can anyone tell me how the impact of the upcoming election influences the housing market? I keep hearing about it but don't really understand.

Both me and Ash at work managed with varying amounts of OTE. As everyone says it does vary lender to lender but you should be fine especially if it's relatively consistent going back over payslips etc. Happy to have a chat about it at work if you want.

Ok I might have a word - it's mainly the other half as her bonus is considerable each quarter but wanted to get an idea before we decide on areas to look in.

Green Lanes good?

Whereabouts on Green Lanes? It's pretty long.

100% luck!

Saw that you'd picked up a bike. Congrats...
Drinks are a must. Sure @ChainBreaker is also in.

Cool.

It is pretty long... Does depend where abouts you're looking.

I like it though. A lot.

But it has blown up a bit in the past few years and prices are getting a bit high.

@soul
@Sparky
I do love a good pint. So yes, most likely in. unless its raining.

You lazy fuck. We're talking about a pint at the Station Hotel. It's less than 100m from your front door.

Rain is still an element.

Well, I'm around this weekend for pubbing...

@ChainBreaker @6pt @Sparky

Drinks on Saturday?

there like a

maybe. it's a bit far really.

boooooo

1.5 weeks into 5 month extension / refurbishment project and the builders have ripped out part of the handbuilt 50's kitchen that was supposed to be kept intact. Thankfully all the doors are still OK, but left them going through the skip to find the original hinges that we need to keep too.

This is going to be stressful.

there like a

disco-dancing grizzly?

obviously

such LIES

Just been approved in principle. Shit just got real yo!