Owning your own home

I'm no economist so I'll take your word for it on the need for a rise medium to long term, and in terms of mortgages fixed obviously makes sense anyway as it's a way of reducing risk in a risky world. If you fix your mortgage is not going to reduce in any significant way as you said.

However, are you sure about this?!

There's currently no benefit for anyone to have savings and operate their lives with any level of prudence.

Many jobs are at risk at the moment. Surely that's a good reason to have savings as a safety net? The normal advice is at least three months' worth of outgoings. It's not like you can rely on the welfare state any more...

Thanks for the replies on service charges.

I think what we're paying is probably a little punchy given what the agent actually does but as some of you have said the leg work and potential headaches from going down the RTM route are substantial.

Given that we're hoping to move in 3-4 years maximum I can live with overpaying a few hundred a year to not have any stress. I'll let the other leaseholder haggle with them and see what comes back.

Always entertaining watching estate agents stretch the boundaries of what is viewed as a desirable location. A brave attempt at rebranding Wood Green as Crouch End.
https://www.rightmove.co.uk/property-for-sale/property-72500253.html

The bidet was probably a big selling point after the great covid bog roll shortage!

Nice work.. wants the set up?

I saw a place earlier this week that had the bidet in the bathroom but the toilet was in a separate room next door. Mind boggling.

His comments are based on the low interest rates. If you have cash in the bank, your returns are zero, so it drives people to put money into other investment vehicles to get a better return on their money. It's how controling interest rates work as a monetary policy at a macro level.

Personal circumstances dictate what you actually do.

And even when they didn't have floors written into the contracts, the supreme court very kindly decided that it was implied.

7 viewings now booked in for here on Sunday morning. That's a good sign, right?

Funnily enough that’s what my girlfriend says. However, the back patio there isn’t overlooked and is completely fenced off, so only burglars can see in.

Here’s the cunt running off.

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Six Arlo cameras, three outside, three in. Deptford, innit.

We had almost fifty viewings before we got a reasonable offer.

Sadface

I got the same lock fitted Yale and deadlock - means only one key. Agree on thumb lock on inside, plus means easy to lock at night etc.

Not sure we could have kept our place presentable for that long!

£1400 a year isn’t vastly excessive for a small block but the absence of a sinking fund is a cause for concern. It means the leaseholders could be forced to pay out of their pockets for major works, if they become necessary. It’s also one of those things solicitors rub their chins over when advising buyers.

We gave up on the 7 year old's room after a few weeks.

Has anyone been through tranferring a mortgage, having two mortgage deals at once with a lender then trying to reconcile them at a later stage?

By far our cheapest option is to keep our current 2.14% mortgage fixed till august 21, and get an additional 1.9% 2year fixed for the remaning. this avoids ~£5000 in get-out-of-deal fees.

My concern is have to deal with twice as many remortgages.. for the forseeable, current lender doesnt tend to do 3year deals so our only way out of that pattern would be to go onto a standard rate for ~1year to then just entirely remortgage.

Anyone have any recommendations for movers? Moving London to West Lothian and trying to get quotes as I think it won’t fit in a luton van for one trip so trying to see how eye watering paying someone to do it for me would be.

We moved from London to MCR using harradines. Great service but it was a 2 day job (maybe 3?) for a 2 bed flat and cost 3 grand+. Full packing service.

I used stork removals who were great. My move was only half a mile but I believe they do do long distance.

How did the boiler repair go?

Next door are selling...went up on Tuesday and have had 5 viewings this morning....don't want them to leave as they are lovely people. Would not surprise me to see it sold by next week...I just hope the new owners are not dicks.

https://www.rightmove.co.uk/property-for-sale/property-96194477.html

Good looking place that. Garden looks epic.