DICKDASTARDLY
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Posts posted by DICKDASTARDLY
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Not as well as Chantelle.
TeeHee, Now that was funny .....
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I think you're being unfair. Where is the balance in the popular press? Most FTBs are totally unaware of the existence of this site, and very few could be classed as "financially sophisticated".
They have been exposed, on a daily basis, to ramping and bullishness for the last 3 years. Most of them intuitively *know* something is not right, but the counter-HPI-arguments have just not been heard - until very recently.
If they intuitively *knew* something wasn't right they would type house prices into google. This sight is not hard to find. The bubble will inevetivbly burst although there is life in the old dog yet. This wil take years to play out.
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Returning to post comments several times to the same point is a definite sign of stupidity.
Unlike you then. But they do say a dog always returns to its own vomit.
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Well....going back to the start of this thread....I have just put an offer in at the full asking price (gulp!)
Awaiting a response back from the estate agent's....
Surley its too late now, if they have two other offers @ asking price ? They'll have you down as a time waster
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You really can't read can you?
Do you ever get the feeling in pubs that the conversation is passing you by?
Nonce.
Unlike you, Its hard to have a conversation pass you by when you're sat on your own in a corner, innit ?
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You really can't read can you?
Do you ever get the feeling in pubs that the conversation is passing you by?
Nonce.
KISS MINE.
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You've changed yr tune, It was 30 yesterday
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The definition of FTBs includes people who have owned previously and then buy again, after a break. also split ups who use equity to buy on their own.
This skews the figures. If you take them out it reduces the aveage age to 17 and a half.
Oh well, I know loads of 17 yr olds buying houses, dont you ?
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Anyway, going back to the original post, If the AVERAGE age of FTB is 35, there will be many buyers more than 35
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HOOORAY ! Someone who could be arsed to type what i couldnt
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If its your dream house, I would go for it and offer over. I was in the same boat a few months ago, and have regretted it ever since. Whats a few more thousand in house price terms ?
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I don't think you can read.
So no point in me continuing.
I can read, I just can't make head nor tale of your jumbled up mess. Not sure of the point you're trying to make (If any) Ignorant Steve - yep, says it all. w
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The whole paragrah again for the nonce:
"Laurejons statements re 30 year olds is wrong - but I think if you can't afford to buy by the time you're 35 - it's too late. Of course if you've significant savings (20% deposit at current prices) and are sitting out the current madness aged 36 then this does not include you!"
Which part of ........(20% deposit at current prices)...... are you finding it hard to read? Or perhaps you think that 45% is lower than 20%?
You're just tying yourself up in knots now, you suggest age may not be a problem with 20% deposit at current prices, up to age 40. NOWHERE do you state you personally had 45%, although this and the fact you STR are irrelevent. It goes without saying the larger the deposit, the easier the mortgage. What you are saying is as out of context as the word "nonce" If anyone else can see this Jokers point please let me know.
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I always thought you could get a mortgage at any age, so long as you were a mammal
Mammal ? Youve lost me pal
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Read the whole paragraph, you nonce.
We had a 45% deposit having STR'd earlier.
I did read the whole paragraph, and nowhere does it mention a 45% deposit, although obviously the deposit you have will make a difference to any mortgage at any age. For your information a nonce is a sexual deviant, having been convicted of a sex crime against children. I would noyt use the term lightly , especially to a complete stranger on an anonymous message board. Your user name suits you well, and level of awarness so typical of others on this board.
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People keep on talking about adjusted graphs etc.. and say that in reality prices never drop!!!
I just read a post which says that even in the last crash house prices still went up, just at a slower rate.
Please can someone set me straight!!
Cheers
Prices in some regions last time fell by 30% plus in real terms. I saw it with my own eyes, as did many others. For some reason this fact has been swept under the carpet.
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You just need to make sure your mortgage retires before ou do, but this applies to all ages, not just anyone over 35.
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Obviously it is better to take yr mortgage out before your 40, Although it might get harder after your 40, It is not impossible. To say forget it if you're 30 or 35 is plain daft.
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Being offered a mortgage at the moment if you're over 40 is no problem. But when the much touted credit crunch happens it may well be much harder.
We took a mortgage out this year (both 40 yrs old). We chose a 15 yr time span and should have it cleared in approx 8 - 10 years. Madness locking yourself in for 25. Who wants to be in retirement still paying off a mortgage?
The other thing to consider is the cost of education it dwarfs mortage repayments so if you leave both family and home til later in life everything becomes progressively more difficult to fund!
Laurejons statemnts re 30 year olds is wrong - but I think if you can't afford to buy by the time you're 35 - it's too late. Of course if you've significant savings (20% deposit at current prices) and are sitting out the current madness aged 36 then this does not include you!
So if your over 35, Its too late, although you have just taken out a mortgage aged 40. Well this thread gets better & better. Priceless.
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Really at 30 if you have not had any success in your career, enough to get on the ladder then instead of chasing rainbows it would be best to come to terms with the simple fact that you will be one of the unlucky ones.
An investment in property is not something for everyone, just the same as investing in stocks and shares is equally not for everyone. The main thing is to get a roof over your head, establish your shortcomings with regard to job prospects and income and be happy in the rental market.
The big problem today is the expectations of the workforce, they expect to own a house when in fact housing is a scarce resource in terms of ownership.
There is a fantastic selection of houses to chose from in the rental market, and as more and more people rent the standards are set higher and higher.
I can see a day when the notion of house purchase is far removed from the minds of the young, who have far better things to spend their money on.
On average Renting is around 100pcm cheaper than buying, so it makes sense for youngsters to rent and spend their disposable income on more interesting things like going out, and Ipods.
Now you're just making a tit of yourself.
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In reality of you have not managed to get onto the ladder with an investment in property by the age of 30 then its probably a good idea to accept the fact and concentrate on renting.
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You sound as dumb as the 2 bints off Trevor McDonald. "If you dont get on the ladder now, you will reach 30 without owning anything"
P R I C E L E S S
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Good morning,
What a fantastic week we have just had at *************, not only did we register the details of over 500 new househunters and arrange over 1200 viewings, we broke our sales record for the number of sales agreed in a single week!!
In fact, we have been breaking records all year and over the last 6 months we have achieved an amazing average of selling nearly half of all properties within 4 weeks of being first marketed.
I wanted to remind you what a great place ************* is for selling your house, but also, because we are seeing so many new buyers in the market, to make sure that you have already got your finances in place to put you in the best position to buy on. We have a team of independent mortgage advisors with access to the whole of the mortgage market, plus a number of exclusive deals, who would like to talk to you today (visit *************************************** or call us on ***********. It looks like there will be another interest rate increase in November so there could be no better time to make an appointment.
Thanks for your time, please give your local branch a call for more information (************) or call our hotline on
*****************
Director of Estate Agency
*****************
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In reality of you have not managed to get onto the ladder with an investment in property by the age of 30 then its probably a good idea to accept the fact and concentrate on renting.
RUBBISH:
So someone who sold in 2001 age 30 say, making 20k equity sells up to move for work, renting for 4 years, and loses all hopes and rights of returning to the market. Up to age 40 is no problem to get a mortgage, so why are you saying 30? What you are saying is tripe. Even after 40 you can still take out a mortgage. Think before you post
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Seems that many no longer trust the hype and want to look a little deeper. With the government creating an ever widening credibility gap it is little wonder that people are seeking re-assurance elsewhere.
Hope that check out the HPC sites.
Could be there checking how much "profit" they've made by checking how much their nieighbours simialr house has sold for
Merryn Somerset Webb On Itv’s Tonight
in House prices and the economy
Posted
It will probably be replaced by another topic at the last minute, besides which,everybody else other than users of this website, will not take a blind bit of notice, no more than do with any other topic on the programme - teenage sex or healthy eating, there were 2 or 3 programmes of the same nature in 2004. What a difference they made !