Owning your own home

Lol, look what £175k gets you in Birkenhead:
http://www.rightmove.co.uk/property-for-sale/property-50622032.html

For the same money as a 1 bed in a less-than-ideal part of London, you can get a couple 6 bed houses.

Jeez did my house survey. He was very, very good. Extremely thorough, and gave us a massive write up with recommendations.

^ that's a bit beyond the remit of an estate agent.

But you have to live in Merseyside which is a high price to pay.

And no jobs to pay the mortgage with.

Jeez ate my hamster

I've heard it whispered before that he's alright in real life.

#rep

I liked him on here. Very entertaining.

This place is getting more boring by the day as the Jeez-a-likes vacate to be replaced by their more vanilla copies.

i'm sure he's here in spirit. penning a 5 paragraph 3000 word missive on why everyone is wrong because you're not him.

what a fucking tit.

https://www.youtube.com/watch?v=xWwUJH70ubM

Yep, met him on a ride a couple of years ago. Nice bloke to talk too, still had him on ignore on here though.

I miss catfood... he was funny

^ that devilishly handsome dick owes me money.

Through the verbosity, pompous posturing and more verbosity there was the odd glimpse of humour. Usually it proceeded a total melt down in the face of basic logic.

He was as good as gold. Admittedly, he did have a knack of winding some of the more delicate souls on here up, but he was so much less inflamatory with his comments than Pisti ever was.

and no soul was more delicate than his.

What about ASM?

I really miss Pisti.

Spent most of this arvo reading articles about this Loan to Value Shortfall. Pulling out buzz words I can use and concepts for my argument.
Luckily got the valuation through the post today so managed to send this off to Foxtons who were right on the ball. 2 mins later I get a call from the manager of the Agent I am dealing with. Prefer to deal with manager anyway, he get's things done.

He was nice, understood where I was coming from. I said I do want the place, as I do, but not for +£40K on top of valuation. That's just a bad investment!
Asked whether vendor would laugh in my face, he's like...we can see what we can do.

Spoke about the valuation and possibly contesting it. I probably could as a last resort.
No mention of their broker, who I've already spoken to and they said Halifax to me also anyway.

Need my independent surveyor to come back to me with what he thinks, on Thurs.
Figure out my position then...

fucksticks

From experience in the lender I work for and the valuers we use, very few of them would be open to changing their valuation amount based on a subsequent valuation from an independant. Whether this is because they don't want to set precident within their company or they would rather their word is final being that they've been instructed by the lender, not you, I don't know.

Hopefully the independant surveyor comes back with a figure you're hoping for and the Estate Agent/Broker/You are able to find some comparables that are particularly good so that you're able to appeal (if the lender allows this?).

Never ask if the vendor will laugh in your face. That belies the fact that your budget has some fat in it. Tell them you're stretching yourself to manage even what you're asking for and make them squirm. Fuck Foxtons.

Absolutely. Really nice, smart guy. I knackered a bike he was selling while test riding it, and he was totally reasonable about it - had it repaired and I bought it later.

budget has some fat in it

i got fat, but im also asian and we like a good bargain and a haggle.
;)

i should just go buy some gold instead....

We had our offer on a place accepted today, goodbye London, hello double garage, I mean Hertfordshire.