Owning your own home

Come Brexit you'll be able to buy quite a lot of Wales for the price of your flat I suspect.

See ^^

You just need the sort of job that allows you to either work from home or dip in and out. Easy.

Yeah but only Wales.
It'll be worth fuck all against the Euro so buying in a proper country will be painful.

I could work from anywhere with an internet connection.

I'm not sure I could cope with the lack of inner rage from commuting among all the driver twats though. I'd just be some lunatic getting angry at a light wind coming from the wrong direction or something.

Just had a look, even booking in advance, in say Feb, it's MIN £76 return Cardiff.

It's more like £200 return if I left after work on a Friday. Two Hundred Fucking Pounds!

I could buy a fucking car for that, drive it over, leave it in Wales, buy another one there and drive it back and still have money for a services pasty.

Turns out the house we were after in catford is a fucking leasehold so we're out.

RIP dreams.

Houses with leasehold can get fucked.

How come it took you so long to realise? They try to sneak it under the radar?

Da Fuq?

Fuuuuuuuuck .. why?!?? Shit news.

Looks that way. We just assumed, what with it being a fuck off house and all. Solicitor flagged it up. We went back and looked at the OG listing, no mention of it, EA never mentioned it either.

Hey ho, glws mister unsellable house owner.

Cheeky cunts

No way of buying the freehold?

We're going to put that on the table, but even so, any potential costs would need to be worked into our original offer. Not picking up that tab. Doubt they'll bite.

Might just walk regardless. I have an allergic reaction to shysters.

Arse.

As above. What the actual fuck?!

Is it ex local?

Sorry to hear that. Cheeky fuckers.

You'd think it would never work but I've been listening to Moneybox about these people up north who bought new builds that were not only leasehold (the insanity) but the ground rent doubled every ten or even five years.

The number of conveyancing solicitors who either didn't spot that or didn't think it worth mentioning to their clients is shocking. Now they can't sell because who'd want it but also many lenders won't lend against properties with onerous ground rent clauses.

What era is the house from?

Dint know. We only found out last night via electro-letter. Mrs Hell is going to get the details this morning. What circumstances would need to be in place for a free standing house not to be a freehold?

We just assumed, what with it being a fuck off house and all.

A fair assumption. Go after the agent for any costs you’ve incurred. The fact it’s leasehold should have been declared.

Yeah that's a good shout. It'll be a couple of hundred notes in solicitors fees. The time wasted is more fucking irksome.

I do this journey a lot. It's shit, and expensive, but there's a way to make it less expensive, although it comes with more hassle. If you're likely to do this journey frequently with someone else then get a 2together railcard. Saves a third, so £50 between you on each ldn-south Wales return, and the card only costs £30.

I think its perfectly reasonable to add in the cost of your time into that discussion.

Do surveys ever pick up pipes and stuff that may run under a house?

Our conveyancer got plans from Thames Water showing all the pipework they were aware of. Was accurate.

Houses with leasehold can get fucked.

Is there a specific bigger problem with a leashold house vs flat (assuming the terms of the lease aren't those crazy doubling ground rents)

£1200 extra in switching fees to get a 5y fix from YBS(building soc) vs First Direct (banker cunts)?

First Direct seem to allow unlimited overpayments without penalty whereas YBS's terms are the typical up to 10% of the loan per year. Either is fine with me - not likely to be stuffing 30-odd g's away each year and the ERC on YBS is stepped whereas the bank is pretty fixed for the full term. rate is 1.74% for both.

Good shout. Unfortunately it tends to be me going off solo to do silly audaxes over a weekend.

not so much as peep about the lease situation.

https://www.reedsrains.co.uk/property/semi-detached-house-for-sale-glenfarg-road-london-se6-id-200985916/search

correction to earlier statement: it's EoT.