Owning your own home

Dunno but you're right, the interior isn't nice and a bit abandoned. maybe there was a horrible death?

contractor Mortgages

yeah they're the other guys I talked to too... worth a chat to them also

Age shouldn't be a problem - we got the Chelsea Building Society to lend us c. 5.2x joint gross income last year, age 21 and 24.

5.2? Jesus.

anyone interested in seeing what is underneath that paint on a lot of old properties?

well this is old school lath and plaster. we're having a few partition walls taken out to accommodate a bathroom upstairs. its absolutely filthy work.

apparently it is a lot better for sound insulation than modern plasterboard!

2 Attachments

It'll buff out

i've finally caved and agreed to mrs hell's demands that the bedroom should have a telly in it. how much of a ball ache is it to route some cabling from the lounge to the sin-pit and is it worth getting a pro in to do it?

In the second photo, on the right hand side, you can see the keys of bonding plaster which push through the laths on the opposite side of the wall. These keys often eventually break off which leads to cracks forming along the plaster. There are methods for fixing this though.

Having lived in a typical flat conversion that didn't meet building regs, I can attest to uninsulated stud walls having next to no acoustic insulation. You can sometimes talk through them.

DTT or satellite? Are you wanting to run under carpet or along the skirts/around architrave?

Good to know.

I think we'd only be looking to borrow 2/3 times our income, which I think is ok - this would allow us to look at properties between 5-600k which is what I think we will need and the re-payments look to be similar to what we pay in rent anyway.

just basic-bitch virgin media cable. No carpets, so yeah - skirting boards etc.

Try contractor Mortgages. They could help as it's their field.

contractormortgagesuk.com/

agreed, helped me twice, only require accounts and base application on turnover, not profit

Telly in the bedroom?????? wtf?

^ virtual swingers, less mess to wipe up

i know!

that's where poor people watch television!

Pffft. Had a telly at the end of the bath in my last place.

Maybe she wants some entertainment in bed for a change.

hey. whatever gets me more space on the sofa is ok with me.

Hmmm, googles telly end beds.

If you angle the mirrors you can see your telly from the bath, Mr Partridge

What's that carried on? 75-Ohm co-ax or is it CAT5 these days?

You can probably find a miniature cable which isn't too tricky to fit.

No cable, chromecast everything... :)

My wife and I got a mortgage in 2012 while both being contractors without 3 years of accounts using these guys:

ContractorFinancials
The Grange, Blackmoor
Liss, Hampshire, GU33 6BP
Tel: 0845 062 8888
Fax: 0845 060 8888

You don't get a lot of choice on mortgage providers but our rate was OK (0.5%-1ish more than market best) and the process is longer/harder. The process seemed to be that they pile them with every single bit of financial information we had (sometimes going back years) until they relented. We had to pay the mortgage broker but there was no way we could have proceeded without them. It was not only there knowledge of the process but there contacts at the bank (Clydesdale). We provided 100s of docs.

cheers! tho i'm pretty sure i have no idea what those words / letters mean. perhaps i should get a man in.

To entertain your wife in the bedroom. How very liberal of you.