Owning your own home

Fuckers. Even though our existing mortgage offer (for the house we are no longer buying because the vendors are idiots) is with the Halifax, we need to re-apply for the mortgage for the new place. IFA is on it and doesn't seem concerned but it's still another uncertainty I have to wait for. If we get stung by the affordability bullshit (just been on holiday, paid mrs_com's college course for the year [she works full time, doing a course one day a fortnight]) I will go fucking spare.

Everything says it will be fine but I hate that it's in somebody else's hands.

I have a mortgage advisor appointment after work tomorrow; what should be my nutrition strategy?

Raw sugar.

Bath salts... Eat the fucker if he gives you bad advice.

IFA has done the majority of the reapplication (or at least changing the existing application details) and I've paid for the valuation. I've also paid again for the arrangement fee which I wasn't supposed to because we paid it previously and never took out the mortgage. That is being refunded today hopefully and the IFA has got the Halifax to agree to refund the 2nd valuation if and when we exchange.

Why would you be refunded the valuation fee if the application is for a different property?

Yep, saw that. Our street is on the list... Considering all the front doors are already different colours and loads of places already have uPVC windows and loft extensions, I don't really know what it means.

Because my IFA is a baus

I was fully expecting to pay it

and now the real estate agent is emailing Amey and myself at the same time....

Tut tut...

genuine lol at that one .. tbh he is one of the rare nice agents I came across 99.9% were cunts .. all yours though I am 'off market' being accepted an offer ..lets do one epic house warming BBQ street party if it happens

Him and James both

Welcome to the neighbourhood.

Estate agents are cunts. Estate agents who manages properties are often even bigger cunts.

But... if you had a one bedroom flat to let in East London, which are the least cunty managing agents?

How bad are Foxtons? They are managing the flat below mine and making the landlord (my previous neighbour) a tidy sum of money...

so many variables as to who you would use as to where you are and what type of property it is. I have nothing but good things to say about the staff at davey stone in broadway market and would personally speak to them before foxtons et al.

I know that quite a few people here have purchased or are about to purchase a period property, and might therefore be thinking about getting some plantation shutterrs for their windows.

I have just had the misfortune of dealing with hillarys blinds in trying to order some for my house, and they have totally stuffed up the order, after having made us wait months for them, and they have been less than impressive in trying to sort it all out (after having had my money for several months)

i'm going to reoder them through california shutters who cannot be any worse than hillarys and would counsel everyone to stay away from hillarys - as they are a total joke.

Cool thanks, this is the sort of advice I need.
Whilst I would like to make some dosh from letting out said flat, I also care about the tenants being treated well.

I would be going abroad and not able to deal with broken boilers etc, so would need it to be 100% managed.

We used Shutterly Fabulous just for the name
It turns out they were really good - fast, courteous and not too expensive
We've had them 4 years now and still going strong

Hey, whereabouts is your flat? I'm an estate agent and I'd be pretty confident in saying we are not cunts. Based in east London...

Is there a forum approved builder?

Fucking saga continues

I'm an estate agent

PM sent :)

c.u.n.t.

Was there ever a verdict on whether or not its safe to remove a ground floor chimney breast?
I'm kind of getting conflicting information but the gist of it seems to be "yes but you shouldn't".

Done properly, yes, done incorrectly, no.

if you remove a few tons of brick which are substantially holding up several more tons above them, without replacing the original load bearing bricks with something of equivalent load bearing strength, i.e. a suitably designed and installed RSJ and bracing, then at some point early structural failure will occur. How early, and with what consequences it's hard to say, but even if you sold the place on after having done/not done the work, you and the 'builder' could still be liable in event of injury to subsequent tenants.

tldr = get it done professionally and signed off by BC, or not at all

I like the fact you care about how your tenants would be treated. Hopefully you go with a company who don't charge tenants >£100 every time they want to renew their fucking tenancy agreement!

#notbitter