Owning your own home

i said it might seem low, but we have overpaid the difference to the mortgage and thats why we only owe 120k aged 30.

then she was like: but what about your car, do you have one on finance yes? i said no i have a car but it cost £390 pounds and a chicken kebab about 2 months ago. you probably dont have a box for the kebab expenditure on your form do you?

thf to her she did laugh at that but then went back to the computer says burgh script.

PM me Bro!

Must hold back from the rant about us all being tied into a bullshit financial system that is designed to ever grow until we've exhausted all available resources apart from the ones left to burn everything with fire

But what do I care, my house increased in value by about 60% in less than three years

Stupid city.

If they're titting about like this this early on I'd be worried of them chipping their offer at completion

Didin't even get that far...

Mortgage in place. Solicitor's cogs turning. Waiting. Waiting.

This story makes me cross just reading about it... any chance of waiting till they've had all their surveys done before mugging them off?!

Three viewings tomorrow, one potentially on Tuesday and another next Friday

Anyone have a Nest thermostat? Worth the price?

A lot of folk I know have one and only have good things to say (unlike the smoke alarm) - I decided to hold off until closer to winter, as it might get a hardware revision after being the same for 18 months.

Do it just to spite the cunts

That's kind of my motto

Such wrath. Bad karma.

Council tax bandings are just nonsense right? The value of the property in 1991?

No but I would buy one.

Ok. The BS mortgage will be checking my bank account. I don't have massive permanent outgoings each month but I do spend my wages to the max. Didn't need to save as I had enough to cover the deposit.

Should fret about cash (read beer) withdrawals and pizza delivery?

Yep. The new government policy will be counting windows.

Nah. My wages all go on shit like that and they didn't say nuffin.
I think as long as you earn X and dont spend <X then you're good.

On the other hand, I got a letter from hmrc today. I owe them 4p.
Should be a fun hour trying to pay that off on Monday.

Pay it via cheque.

After 14 years of full employment they still send me letters about NI contributions.

There was a bit of discussion of them here https://www.lfgss.com/conversations/260435/

I have a cheap knock-off. It's worth it for when I go away and forget to turn my heating down but it would be a lot better if I remembered I actually had it and remotely controlled my heating rather than forgetting until I get home.

@WjPrince

We are in exactly the same situation, Foxtons valued us high, we agree offer and then the buyers mortgage company say it's worth £40k less. We were also told this valuation then sets a precedent for future buyers.
In our case we have dropped the agreed value £5k and the buyer is swallowing the rest, if your buyers have their parents helping this might still be a viable outcome.

I wonder if the government has leaned on mortgage lenders to low ball valuations to slow the market?

Or maybe Foxtons are dicks who overinflate prices. Tough call.

^ very much this. they pander to greedy sellers who then get grumpy when the mortgage valuations come in lower. shouldn't really be a surprise to anyone.