Owning your own home

should be relatively straight forward.

When I did this with Nationwide, it was fairly simple but they don't allow you to repay one product with another. I now have 3 different mortgages with them, all on the same property and all for fairly small amounts.

No tax implications in the borrowing end of things. Depending what you do with the spending end, there could be.

Just chased HSBC up - "yes, we have all your documents, everything is fine, I have no idea why we've not progressed this".

Handy.

Ta - thought it should be possible and not too crazy a process.

This is what has kept the British economy going for years. Go ahead and splurge on a round the world trip in five star hotels, a classic car (or four) or on your kids uni fees. It's your patriotic duty...

[Not intended to be a pot shot at you, rather at the system that rewards house price inflation and seems incapable of paying people decent wages for honest hard work]

Hah, yeah, except I’m not taking any equity I haven’t already paid for :)

And even more boringly, I’m going to use it to pay off another mortgage elsewhere :|

600k + for a 1.5 bed house in Walthamstow can jog the hell on

you can get a two bed with all the trimmings in catfrod for about 100k less.

went and had a look at le house because you lot had me freaking out with your air bricks and ventilation chat. turns out there is under floor ventilation, the vent is just cunningly concealed behind some brickwork, tho you'd need to keep an eye on it in case it gets clogged up with leaves. seems to be a theme with a lot of the houses on the corbett estate. we had a nice little wander about the endz, met an old fella who'd lived in the area 40 odd years who remembers when the houses were going for 20 000 notes.

paid upwards of 7 quid for 2 cups of coffee and a pastry at the chi chi cafe ant the end of the road - that's whitepeoplewang!

No archibalds or good food?! U ok Hun?

yeah archibalds. that's where we were. did we get rinsed because not OGs?

Nah archibalds is great!

it's ace. rad dad central. the builders caff / creative space i've always dreamed of living next door to.

what's the local curry take away situation?

600k would buy our 4 bed semi detached with garden down in bickley...

WTF. It won’t sell for that. There are a few houses around here that are on for between 6/7ook where speculators have clearly thrown all they can into grand-designing them and are now holding out in defence of their margin. Just walked past two on my way back from St James that have been tarted up and on the market forever.

@J0nathan link? I've entered the market. Simarly in a @chrisbmx116 style of can I - should I way

http://www.stowbrothers.com/property/residential/for-sale/london/lynmouth-road/TSB27272798

http://mobile.outlookproperty.com/Property/Residential/for-sale/London/Walthamstow/Farmilo-Road/OHC7620

Craziness.

Christ that first one

"IF YOU LIVED HERE

You'll be marveling at the sheer quality of the Design & Decor for months to come "

No would be thinking how much to change it..

Second one looks like a cheap pizza restaurant. Developers gone mad, been a bit overly spendy and not getting it.

I live for now in Stoke newington and both have the touch of the new best Turkish restaurant about them.

Mini rant over

They forgot to plaster the hall in the first one.

As someone who has recently been looking for kitchen lights I can also tell you those dodgy pipe lights in the living rooms are the cheapest lights Amazon has to offer.

I’d be making sure the loft conversion in the 1st one has ever been signed off by building control... doubt even an approved inspector would sign that off round my way

Yep. That first one is hideous. Same EA as the one I looked at. Second one isn’t as bad as it’s a decent size. The place I viewed looked good in photos but had paint peeling off it’s walls and broken floor tiles in the bathroom. Also it’s garden study was a shed with a lamp in. Nice try...
http://www.rightmove.co.uk/property-for-sale/property-62246944.html

@greenhell i don’t like leaving East, I can pretty much see all the london houses I’ve lived in from my current ones windows, I’d prob have a seizure if I tried to cross the river.

Plywood worktops tho.

I’m into that. Thinking of getting my current one replaced.

lol @ the shed being on the floorplan.