Owning your own home

I'm sure they'll be cock a hoop about that

Surveyors must be rolling in it if they can look at a wall and write a single letter for 2k.
I’m in the wrong job…

Or maybe the 40k kitchen thread?

Arent we all.

Compared to the cost of the extension the cost of a survey isn't much. Talk to them, explain that you're not an expert and would like an expert opinion.

Sure they could still be liable, but what would you prefer them to be: liable, with proper paperwork and contracts to help sort the mess, or liable, with a gentleman's agreement, a handshake, and a nudge and a wink?

Especially if you’re not happy with its being 0.003% out of plumb, threw a fit and decided to do it yourself.

I think it’s 5k in total, and we are yet to hear if she’s going to try and find something to try and charge us for like she tried last time.
The surveyor she uses is a massive dick too, was tempted to brick his windows, but totally over it all now.

There was a lot of condensation chat during the winter. Meaco have most of their low energy dehumidifiers in stock at the moment (they are almost impossible to get during winter) plus they have a few quid knocked off of most models.

https://www.meacodehumidifiers.co.uk/

If people weren't aware, these are also excellent for drying clothes.

I mean isnt it a job requirement to be a total knob when your a surveyor

This is pretty much all we used ours for. Dry clothes overnight.

Average 2 year fix is up to 6.63% according to the beeb. We fixed for 2 years at 5.05% starting August. Realistically, rates aren't going to come down much in that 2 years are they?

Yeah I don't think inflation has finished getting worse yet.

Yep - the current level of inflation is a catastrophe. Rates may need to go higher. Suspect once it's under control they will come down quick because higher rates have an agony of their own.

What a frigging mess it all is

And if you are not getting a pay rise you are doubly fucked.

Yeah we just locked in our rate for a 2yr fixed at 6.27% starting in November, 5yr fixed was cheaper but painful to get out of it if the rates drop, no clue when they will drop though

It's supremely shit.

This is one of the problems with all that free money from covid, it’s coming back to bite the Joe Public in the arse.

People aren’t spending money this year that’s for sure.

Our mortgage is for renewal July 2025 which I had thought would be ok but I'm imagining that we'll be at the 3-4% mark around then (finger in air)

Shouldn't forget the war and Brexit which are the slices to this shit sandwich we're all being forced to enjoy

free money from covid

I must have missed that bank statement

Ours renews July 24 from 1.something% to whatever the fuck by then. If I can pay off an old loan by then my outgoings should be roughly the same even at 6-7% but at least the old loan comes out on a different day so it feels like I'm paying less.

As much as Covid hasn't exactly helped this is the end of a cycle, this has been bedded in long before covid and this is happening over much of the developed world. This is a copy and paste but a good summary of what is happening. It was written about 4 or 5 years ago -

The great deflation cycle that started around 35 years ago is about to end with a deflationary collapse.During those 35 years interest rates have fallen to lower lows and made investing in equity/property very easy (they have always gone to higher highs).However that has also caused people to go way way along the risk curve for yield.The leverage on the system is beyond extreme.The Fed (and other central banks) missed out an entire tightening cycle,and in doing so have already made sure the recession dead ahead will see massive un-voluntary debt liquidation,a financial system in free fall and wealth destruction on a scale few can even imagine.Leverage is going to destroy business and individuals on a scale not seen since the late 1920s.Once this does hit the central banks will be slow to react with the right response as they themselves will be shocked at the speed and scale.They will panic and print direct into the economy by passing money/debt to governments at 0.1% or zero coupons.This is what will kick in the first reflation cycle since the 70s.Inflation will appear,rising slowly at first but increasing for perhaps a decade until it reaches double figures.Interest rates will follow,but being behind the curve perhaps through the whole cycle.The leveraged who survived the deflationary collapse will then suffer increasing interest rates for a decade.

I don't trust any futurist savants who don't know how to use a full stop