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leveller

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Everything posted by leveller

  1. HAMISH_MCTAVISH ~ Not a bear, not a bull, just an idiot in denial
  2. northern rock mortgage calculator 25k income ~ may be able to borrow up to 85k, and loan amount must not be greater than 85% of property value. "The figure given is a guide, and is not a guarantee that we will definitely lend you this amount. Actual maximum borrowing amount is subject to credit score and a full assessment of your ability to afford the loan" On a property at 90k, 15k deposit (LTV 83.33%), 75k mortgage ~ 2 Year Flexi Fixed 995 Prod Fee 6.29% 5% 01/04/2011 £995 4% within 2 years Yes £500.58 2 Year Flexi Fixed FSO 6.79% 5% 01/04/2011 £0 4% within 2 years Yes £517.16 5 Year Flexi Fixed 995 Prod Fee 6.69% 5.4%01/04/2014 £995 4% within 5 years Yes £519.29 5 Year Flexi Fixed FSO 7.09% 5.5%01/04/2014 £0 4% within 5 years Yes £531.26
  3. Tring I remember early 90's recession, I helped clear a repo'd house with a fvcking tank in the detached garage! I'm glad you mentioned you were brought up council house background, too, but I don't understand why you say "Unfortunately possibly yes". They/we are not all bad, I live on one. People are people, rich or poor.
  4. Party with the housing association tenants next door? Markyh, don't forget to do a very thorough snag list when you move in. End of year bonus in December, means many jobs are rushed and may be unsatisfactory, by all the trades. I've met clients whose lists numbered into the hundreds, research it. Once they have your money, you are then placed at the back of the line for customer satisfaction. Two years of no quibble problem rectification? Whatever. . . Remedials, remedials, remedials. Good luck, just don't take a spirit level, a tape measure, and use bright light to look around!
  5. Couple of my fave's ~ 3 bed end terrace, £1.4 million ~ nice 200k caravan
  6. Judge Demands Identities of Online Flamers link
  7. Fair enough. But what do I then use in exchange for a house?
  8. Are you saying stop saving in banks, or stop saving in cash?
  9. Looking at the bigger picture? 50inch plasma, maybe, but that's it.
  10. The post you refer to is less off topic than many posts on a thread. Blair can be related to Brown and BBC news credibility, can Churchill or Roosevelt? And your reply is just a bit off-topic rant too. Not that I mind. Blair could have said no to Brown. Blair was the PM. Are you saying that Blair was not really the man in charge or just very weak? Brown as de facto PM for all them years? Apart from money, while Brown was only Chancellor of the Exchequer, what other influence did Brown have? I don't completely buy your truth. I also think loss of life is worse than the heinous loss of money. What good has Blair or Brown done for humanity?
  11. I love this post, and agree with it from balls to bone. Thank you. edit for boldness
  12. I am wondering, what are the predictions for Ireland's house prices over the next couple of years? Maybe my searching wasn't good enough, but I didn't find too much info.
  13. How about washing up liquid that is good for her hands?
  14. Like. if you were to sell some of it to someone for £, give them a piece of paper as proof of purchase, and you store it for them in your safe?
  15. I did. I refer you to post #43 How about, either sticky this thread as the goldhumpers chat, or re-instate THIS DADDY !
  16. Isn't this for gold? It's only a couple of mouse clicks away , and you'll still be able to compare sizes
  17. Fvck the snow - how do I get this stick out of my ar5e !
  18. It wouldn't be so bad, if it had the woman in the red bikini
  19. It is a headline that will get a few more fools to part with their cash soon, especially the fence sitters, and get into debt enslavement for half of their life. House prices are still too high for what is needed/ available for HPI, and you know it. The key, the bottom rung of the ladder, the average FTB is still priced out and will be for a long time still. The deposits are not so readily available any more. The 95 - 125% mortgages with decent interest rates are not available any more. Unemployment figures are growing. Fear is in the air, in the media, and we can all still smell it. All of the numbers in the stats, even if they fluctuate, still add up to house prices still going down a fair bit more. a + b - c = averagehousepricestillwaytoohigh.
  20. If Zopa can be successful to savers, why can't a bank, FFS? If I deposit my hard earned in a bank, for them to lend, I want a decent interest rate. They pay themselves their bonus, inflated wages (not counter staff etc?), want bailouts with our money etc. If we all went to our banks en masse, would it make a difference? Would our collective 10 or 20 million make a difference to them? Would a letter to the right people, with all of our support, details and total amount, be of value? IIRC there was something done similar in USA, but it didn't come to much.
  21. The Halifax House Price Index is prepared from information that we believe is collated with care, but we do not make any statement as to its accuracy or completeness. We reserve the right to vary our methodology and to edit or discontinue the indices at any time for regulatory or other reasons. Persons seeking to place reliance on the indices for their own or third party commercial purposes do so at their own risk. Full Technical Details are available free on request - contact the HBOS Economics Help-line on 0845 604 5404. link
  22. "The Halifax House Price Index is prepared from information that we believe is collated with care, but we do not make any statement as to its accuracy or completeness. We reserve the right to vary our methodology and to edit or discontinue the indices at any time for regulatory or other reasons. Persons seeking to place reliance on the indices for their own or third party commercial purposes do so at their own risk." Halifax site link # Its focus on mortgage approvals rather than completed deals means it can never be wholly accurate as some deals may fall through just before completion # It only covers a sector of the market as it is restricted to its own customers # Because it is based on mortgages it ignores any cash purchases of property Home link re halifax
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