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Warwickshire Lad

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About Warwickshire Lad

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    HPC Veteran

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  • About Me
    Buying a house after a house price crash.
  • Location
    Warwickshire, funnily enough...

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  1. Not much more that I'd like to say now except that I think it's a shame that there's been a few bad tempered responses to my original post. I suspect that it might have something to do with it being perceived as being "positive" about the market, and well, that simply can't be tolerated because it's "off message". In that kind of atmosphere, no-one will ever cut you slack. Actually, I intended to post about both the negatives and positives from my point of view, and that's it. All perspectives should be welcomed, newbies, lurkers, veterans and everyone in between, and preferably with g
  2. Why thank you for that trip down memory lane. It's a reminder of how painful it was for me to think about the subject then and how even more painful I'm sure it is to FTBs now. You make a point on my reference to conventional wisdom. Actually, I came on this forum to discover more than just conventional wisdom of vested interests, and that's what I found thanks to the insight of some very entertaining and knowledgeable people. Over the last ten years there were successive times that I thought things would turn seriously south but they haven't (except for the moderate drops I alread
  3. It's OK, people are free to agree or criticise. I take into account that when it comes to the property market, feelings can run very high and very deep for some people. It did for me - I remember back to my very first post on this forum when I felt hopeless in the face of rapidly rising prices. Discovering this place was something of "eureka" moment - I knew something was wrong in the property market, but couldn't fully understand it, and there's a lot of educated people on here who are an awful lot smarter than me! I am not here to gloat or anything of the sort. I'd be quite ha
  4. Hi everyone - I used to post on here very frequently about a decade or so ago. Glad to see the site is still here, because it's such a treasure trove of information. :-) So, I guess it's time to share an update. Well, in 2007 I was an FTB. However, the decision to buy at that time was not easy - after a lot of time spent on this forum over 3 years or so I became passionate in the belief a HPC was imminent, but a combination of my improved financial circumstances, coupled with some disillusionment creeping in, I caved in and bought a property. So, a decade on, how did I do?
  5. As mentioned on a BBC news report a while ago, the HSBC is one of a very few banks that has deposits which are worth more than its loan book.
  6. Most of the criticism the BBC receive from this forum is unwarranted, especially their perceived bias towards bullish headlines. The real reason for the criticism that they get, IMO, is simply because many bears are mega-sensitive to ANY even remotely bullish article, even if there might be a reasonable argument for one. The BBC are not perfect, but their news operation is about as balanced as you're likely to find anywhere. If anything the only criticism I'd level at them, is that they report house price movements too often. The BBC have made some great programmes to cover the bear argume
  7. I got a 10 year fixed rate. No problems here.
  8. I used to post actively and frequently, but only very occasionally post and lurk now. It's about having a life other than thinking about a house price crash.
  9. Yes. I bought one earlier this year, after a few years of refusal (due to this site). Since buying I have been decorating/improving the property ever since, and also have a cat too. And yes, I think the market is now heading for a slide which will certainly see prices fall across the board. However, I bought at the time I did because I'd recently had a good increase in salary I had the offer of parental help I therefore had a good deposit was borrowing about 3.5 times and not over-stretching I found a 10 year fixed mortgage deal at a good interest rate, which I can also overpay I H
  10. Yes, it was rubbish - your comment that is. The programme was brilliantly refreshing change. I'm looking forward to the rest of the series. Well done BBC.
  11. Great post, Mr. Yogi. Makes you wonder doesn't it when you look at all these people that they're just living it all on the never-never. I do have a mortgage now, but I have no other debts whatsoever - not even a credit card. Even my mortgage was borrowed at 3.5x income at on a long fixed-rate. There's plenty of money I plan to spend on improving my house, but determined to stay within my means.
  12. One of the most stupid and ignorant press releases I've ever seen!
  13. My educated guess is that it's being directly harvested from the Rightmove website itself. It is possible to do this, because each property has it's own unique ID number so that it's possible to keep track of them all. Ages ago someone wrote a program which would harvest information like this and produce a report with all the reduced properties, and made it available on this forum. All that's happened now is that someone has been good enough to make a presentable website on top of this data. I must presume that if it's being done this way that PropertySnake has the necessary permission fro
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