Owning your own home

Does anyone have strong recommendations for a general builder in the Epsom/Sutton/Morden/New Malden area?

Thanks

That's my thought with the larger deposit - less likely to suddenly realise they don't like the look of the mortgage payments.

Contrarily some agents don't check anything. I had a 600k deposit for my most recent house purchase (I'll check myself into the golf club thread in a minute ⛳, majority of it was equity from previous houses) and I wrote all this down in the offer - noone checked, absolutely noone. I could have been telling multiple lies about the money where it was from etc and it wouldn't have come out in the wash for some time.

Bottom line is get everything, absolutely everything, checked out thoroughly because people can and do lie quite a lot.

OK.

Both folk have offered £250k on your house. (It’s an 8 bedroom Manor House near Leicester).

£200k deposit from someone on a zero hours contract doing PR for Dominic Raab or £180k from a teacher?

That’s probably the point of those forms isn’t it? To try to help understand who is efficient and committed and actually likely to buy.

The way @ReekBlefs described it, it sounded like the point of the form was to allow sellers to select the most "worthy" buyer for non-financial reasons. I guess it makes you feel better about trousering £X00k in tax-free gainz if you think a nice nurse got to own their own home?

If you have proof of deposit and a credit-checked AIP I'm not sure what more you can learn.

Are you spying on me?

The teacher would be fine in this situation because a £180k deposit on a £250k property is huge enough!

In sales jobs they teach you to look for motivation first, then ability to buy.

If you work at Rumbelows there’s no point spending a load of time with someone browsing tellies while their kid is doing gymnastics next door even if they have just won £5k on a scratch card. The customer you need is the one whose washing machine blew up this morning.

Zackly!

And I totally get this. Isn’t there some checking by default when you get a mortgage offer? The lender/broker will need to know you can pay it back and also that you do indeed have the £100k deposit you’ve cited.

Golf Club presidency is surely yours, btw!

It's a good way to spoil a nice walk imo - and there are plenty that would laugh at me and my stupid terraced house irrespective of how much it's worth (my parents for example)

I feel that engaging a solicitor is usually a good sign of that? Agents we have used to sell (& I've only done it twice) have always insisted on the buyers having a solicitor engaged before drawing up the memo of sale. Have to be an odd fish to spend £500 in abort costs out of boredom.

Both folk have offered £250k on your house. £200k deposit from someone on a zero hours contract doing PR for Dominic Raab or £180k from a teacher?

Two good offers... both can afford to pay more... best and finals on Tuesday morning please.

One has a job for the Government, the other is an enemy of the state striking teacher. Who are you going to pick?

Agreed on the golf.

Also own something relatively small that could be traded for something with a moat, up North.

I've got a load of moss on my roof that is clogging up the drains and causing water to overflow.

What's the best way to get rid of this? Is it something I can do from the top of a ladder with a hose or pressure washer and suitable chemicals or does it require someone to get up there and physically remove it? If the latter then who? Seems like getting a roofer to do that would be expensive, window cleaner? Someone else I haven't considered?

Anyone with a sufficiently long ladder.

You want to grab it out with gloved hands and obviously you don't want to be overstretching when doing that or you'll end up impaled on next door's patio furniture.

The way @ReekBlefs described it, it sounded like the point of the form was to allow sellers to select the most "worthy" buyer for non-financial reasons. I guess it makes you feel better about trousering £X00k in tax-free gainz if you think a nice nurse got to own their own home?

What they tell their buyers is 'in the event of two similar bids your story may make a difference'.

But because they undervalue everything - last time we were seeking £300k minimum and they put it on for £275k - that leads to loads of people with a max bid of £276k and £277k thinking they're in with a chance if they put the saddest story possible. It genuinely upset me because I wished I could accept the bids but it was just never going to be possible for us. We learned next time to put it on for only five grand under asking, but it was a painful learning.

Ah, it's not the stuff in the gutters that's the issue (well it is but that's not too bad to get rid of) it's all the stuff growing on the roof that I'm not sure how to get rid of.

Job for a roofer with a scraper on a long stick.

Use of water under pressure is not recommended :)

You want to grab it out with gloved hands and obviously you don't want to be overstretching when doing that or you'll end up impaled on next door's patio furniture.

Now you're spying on @Hefty :)

:(

I had all this to get rid of when I moved in. It was incredibly satisfying to do. Like popping a spot.

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Ha!

@Hefty sympathies

Then I agree with @Howard