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vanessa kensington

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About vanessa kensington

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  1. thanks for the info you posted, correction. are those basic NHS salaries? there's a big difference between "basic" and "total" on nhsemployers.org for sure. looking on there, the total pay for my sister's level is £58k average, and i imagine she's paid slightly above average because she's in London's Zone 2 and also because she's done her MRCP Part II (although i thought everyone had to do that?) if you figure in the NHS's final salary pension scheme and maternity/sickness benefits it's not going to make me feel sorry for doctors! actually, it would be an incredibly interesting exercise for housepricecrash to conduct a salary survey and then map the findings to geographical area. PS ETA I found this which makes very interesting reading for those who are as nosy as I am! http://www.nhsemployers.org/Aboutus/Publications/PayCirculars/Documents/Pay%20Circular_MD_1_09_090409.pdf
  2. if you want to sell your house at the best possible price, it helps to think about what a buyer might be looking for, rather than dismiss it out of hand as "sledging" or "undermining".
  3. was talking to a cab driver on friday morning about why it was so busy (central london) and he said it's because the tourists are back in a big way. he's been ticking over nicely since the summer. incidentally, he also said he's constantly being asked "how's business" by people in suits at the moment, so the natives are clearly nervous even if the tourists aren't
  4. at least it's been a brilliant strategy for drumming up interest in your house the best thing about your house is its planning permission potential - and apart from one line on your rightmove listing, that isn't coming through. show the plan of your house, instead of the house, as the key photo.
  5. i'm really surprised at your breakdown of doctors' salaries - my siblings/cousins are all below registrar level, but they're all on £45-50k. My sister is just about to become a registrar and is on £65k (I know because my hubby signed her mortgage application, and she was definitely submitting payslips with it!) Admittedly they are all in the South East. Would you say that's very different elsewhere? I wouldn't have thought NHS weightings would be generous. I didn't work in banking - I worked for a major FMCG manufacturer that makes, amongst other things, bog roll and tampons. So no likelihood of going bust, but not likely to make trillions repackaging debt either.
  6. junior docs 4 years qual are on around 50k each. everyone in my family is a doctor except for me and my ma, so have a good idea of this. middle management - £50k in london and SE regions is definitely possible - my PA (degree+3 years' experience) was on £35k two years ago and my junior assistant on £52k (am self-employed now, so do without expensive girl fridays, spend my days on housepricecrash instead, oops)
  7. i was thinking 3 times household income plus £50k deposit. you're an estate agent aren't you, mildura? is that the kind of multiple people are paying?
  8. i'm sorry i offended you. everyone has their own taste and yours just doesn't appeal to me, and there are cheaper houses that do. a £350k house will attract people with a household income of £100k a year. that's two junior doctors, or two middle-management people. think about their lifestyle and expectations. good luck with your sale.
  9. oh, and that was £790k TWO years later. have you and your family got the patience to present your property for sale every weekend for that long? most people are wary of taking on building projects in an uncertain economy. i know someone who bought a house last year for £1.2 needing work. there's a fully refurbed house in the same street on sale now, for £1.1m.
  10. with your asking price you've also gone in quite a lot higher than a lot of other houses that seem nicer on the outside and better presented on the inside, though obviously without the planning permission. i realise you don't need to sell, unless for an offer you can't turn down, but as both an experienced tenant and housebuyer / seller, i'd caution against this approach. in 2007, my husband and i viewed a property on sale at £1.1m. the house next door was vastly better converted and presented, and was put on at £1.15m. we put offers in on both - £935k for the better house, and £845k for the worse one. the previous ceiling price on that street was £645k, achieved 6 months previously, and we rejected the asking prices as being totally unrealistic. the estate agents agreed with us, but obviously their hands were tied by their vendors' expectations. both houses failed to sell. (we later discovered ours had been the only offers). we decided to pull out of the market once we'd completed on the sale of our own flat , and have been renting ever since. i recently discovered that the house which we offered £935k rents out at £600 a week, and the house for which we'd offered £845k sold for £790k (land registry). be careful that you don't waste your time, and that of others.
  11. this must sound so rude - i'm sorry, please think of it as constructive advice - but currently the house is really lacking in kerb appeal: the garden wall is in a different brick to the house itself, and there's a lot of white plastic drainage on display. these details flash "amateur developer" warning signs at me, code for "slapdash". I'd ask your agent to include the visuals from your planning application, or at least a floorplan and projected floorplan, in your rightmove listing so people go in looking at it as a project rather than a finished house. i also think your agent's photographer should retake the pics using a fisheye lens - the sitting room in particular looks tiny. you'll be paying your agent something in the region of £5k to get this house away; make him work for the money.
  12. median is an utterly useless average, for our 'average wage to buy average house' purposes anyway. we need a mode household average.
  13. let's look at this situation without the envy goggles. iron chic has more than half a million quid to spend, and it still won't buy him a home near where his wife has friends, and prospects of work. so he moves elsewhere in the hope of finding somewhere to buy, but now his wife is on anti-depressants (not working, mate-less, isolated in an unfamiliar environment - you can see how it happens). he knows buying a house in that area won't make his wife happy...so he can't quite bring himself to buy a house in that area. i'm thinking you need to rent, in an area where you're happy living. if your wife genuinely wants to live in the house on the wirral that you're considering, offer £499k tops. who the hell pays 10% over the odds for the privilege of paying 3% stamp duty? btw, i'm a northern girl originally, and i can tell you the area is broke. if you don't make money with drugs (NHS doctors and surgeons, or more frequently, dealers) or football, you're f*cked. i've seen two private schools close down and one go into a goverment scheme in the last 18 months alone. the whole economy of liverpool seems to be run on tick - and that timeframe coincides with 22% interest rates on credit cards.
  14. Am looking in roughly same area as OP. Finlay Brewer - small agent, only one office - has the Brook Green family house market sewn up. Got chatting to one negotiator and she let slip that successful buyers are usually French cityworkers being paid in Euros - to them, these houses are 1/2 what they cost 18 months ago. They like the area because of the proximity / easy commute to the French Lycee schools (no school fees to pay enhances their affordability). Westfield has been a big draw for those who'd previously preferred Fulham and Parson's Green. Similar houses in Clapham's Northcote Road now have asking prices 30% lower than W14/W12/W6 - as recently as 2 years ago they were on a par.
  15. Those of you who have long memories may recall that the dotcom crash began three days after Barry on 'Eastenders' bought into internet stocks. Call it a variant on the shoeshine boy giving financial advice...
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