Owning your own home

Basically using the fees model from auction sales, it's unusual but nothing wrong with it as long as all parties (i.e. the buyers) are aware. Could result in a slightly lower purchase price - so buyer pays less stamp duty, seller and estate agent receive around the same net amount as they would in the 'normal' arrangement...

Yeah I did another recee the other week too

Yeah fair haha. Good learning for next time

A year is ages...
Landlords won't care about a month or twos rent which is why it's confusing me. I think they are minted because the estate agent is selling a few of their investment properties

I would rather it had tenants in until near exchange than potentially empty for months, less chance of it getting damp, issues arising and going unnoticed etc.

Mine wanted to get it done ASAP (even thought she the one who forget to mention damp work have been done), cause she is paying the mortgage to the flat instead of the tenant to left almost the moment they learnt she is selling up.

Minted or not, landlord always feel like their belt is being tugged when they have to pay their own mortgage.

less chance of it getting damp, issues arising and going unnoticed etc.

Interesting you said this, cause it was handy that our was empty for months allowing us to see any issues and able to negotiate more to address those issues, than find out later.

For the benefit of convincing someone of going on the market with them more like.

‘We will sell your property for free, and save you £15000’

Love what they've done with the garden.

£1m for fucked 1400 sq foot house in SE22 that you then have to pay extra to actually buy?

urrghhhhh

Today's the day of completion on my new mortgage.

I've spent the last week chasing the building society asking them why they've rejected the application. They've over and over and over again said they don't know, and that the case has been referred to a "special team"; a team so special that they cannot be contacted by telephone, only email, even if the personal trying to contact them already works for the building society.

Anyway mere seconds from close of business and yesterday they finally explained that the answer is they never rejected it at all and that they were mistaken all along, or something.

At a total loss to understand how this has happened. Today I'll either get my mortgage as normal, or end up paying the monthly payment twice to two different lenders, or possibly my house will be nuked from orbit. Genuinely can't decide if it's funny or tragic how the lender has dealt with this. They've got the best rates though, so...

Make a complaint - that's some shitty service. At the very least you'll get a $50 gift card.

Yeah I'm thinking I'll go old school snail mail complaint (since obviously phoning them does sweet fuck all) but send it on Monday after I have hopefully received the mortgage.

Your bank / mortgage provider may just have a web page for that sort of thing, which makes it easier.

Look better than my flat in SE6! (We got a tiny outhouse that been converted to be enter inside the house rather than outside).

Almost ironically they have a page for complaints which offers to, via online chat help:

talk through your concerns to help put things right

After almost an hour on this chat they finally concluded that they couldn't actually see the relevant information, and perhaps I should speak to the mortgages team. FFS, couldn't see that one coming.

All the individual people I spoke to were lovely, but their employer has put all the useful information behind some kind of anti-conflict-of-interest /independent-audit-compliant wall I guess.

I work for a big BS. Complaint letters addressed to the CEO always get resolved quickly.

Noted :)

I used to work in a team (investment bank strategic planning & analysis) that would be forwarded complaints written to the CEO, and asked to deal with them. Which made very little sense.

For goodness' sake... the building society has sent the funds for the mortgage transfer but they've sent the wrong amount, despite confirming multiple times that they would get it right.

It's only ~£300 shortfall, which is the difference between the actual redemption amount and the estimate that they asked me to confirm. So I can cover it myself to get the thing over the line.

What makes it more frustrating is they already rejected and then re-accepted the application previously because of this shortfall. We sent an exact redemption amount after the rejection and they said OK we'll cover that; "it's within our tolerance anyway [<£500] so we don't mind".

Total shambles.

Can anyone tell me how I should hang/secure this mirror?
Wife wants it to rest on the shelf/fireplace.
Currently some cord attached to a picture hook is preventing it falling but apparently it’ll be my fault if it falls down at some stage even if kids throw things at it…
Has 2x hooks and I could put in some screws to hang it from but it needs to sit on the shelf and I reckon it’ll be tough to get it exact.

3 Attachments

it needs to sit on the shelf

Why? Anything sitting there risks sliding forward off the surface (you can't underestimate kids' abilities to do shit that can injure themselves).

We have hooks and loops like these for bigger mirrors

You're going to need to secure it at the bottom too, though, if it's not flat to the wall. TV straps might work.

Secure it at the top and bottom too

Delete IG/Pinterest - hang on wall over mantel - put art, birthday cards, trinkets etc on mantel.
or
couldn't you just use chord with loops hooked back to the wall - get the tension right so its taught with the mirror leaning. secure bottom first with the mirror leaning forward, then tilt back and hook the top ?

You need to close the lid on the cereal box and store it in a dry and cool place.