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House Price Crash Forum

LondonToManchester

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Everything posted by LondonToManchester

  1. No new mortgage quote has the same value and same figures the only thing that has changed is the rate i will be paying.
  2. No they still recorded the property value as the same.
  3. Wheres the fraud? Don't they get to decide what interest rate they will charge you? They decided to give me the 75% rate even though I should have gone onto the 85% rate. The value they record the property price at remains the same.
  4. I wish i could but they don't tell you how there rating system works!
  5. I had this problem last month Basically i am in the process of remortgaging to a different lender and am no longer hitting the 75% ratio but the 85%. Which means i get a much worst rate! But after a few conversations with the mortgage adviser they have decided because I am a low credit risk i can have the 75% LTV anyway (Moved from standard life to nationwide)
  6. We are talking about the odd property inspection or showing people around now and again. That does not break your right to quite enjoyment!
  7. The level of mortgage repayment problems and repossessions may be lower in the current recession than the early 1990s, the head of the FSA has said. Financial Services Authority head Lord Turner said the short-term financial position of many borrowers had been improved by low interest rates. However, he said the FSA had still to decide how mortgages should be regulated in the future. The regulator is considering limiting the size of mortgages. This would be relative to the value of the property being bought or the borrower's income. http://news.bbc.co.uk/1/hi/business/8045880.stm So much for waiting for the bargin priced repo! Should I!! Oh go on!! AWOOOOOOOOOOOOOOOOOOOOOOOOOGA
  8. If you don't like people comming in to check the property i.e property inspection or showing protential tennents around maybe you should buy your own place and not live in someone elses?
  9. I think people were expecting these to be much worst. We nolonger seem to be on course for the 3 million mark by year end. What does the stockmarket think?
  10. Does having someone come in for 5 minutes to check the property actually effect your quite enjoyment? I think not!
  11. Dude your looking at this all wrong the tenant comes to you and asks if he can use your property. If he is unhappy with what your providing he can ask another Land Lord no one is forcing him to use you! As the Land Lord you have to decided will he use your property in the correct way? Can he actually afford to use your property! Will he stick to the rules you have set out for him!
  12. Dude the problem is that the Land Lord may have some kind of rent protection which means the tenant has to be on AST and credit checked. Not doing so invalidates the insurance if you want to make a claim
  13. Basically it does depend on your relationship ith the Land Lord Worst case is that you have to move out in July as the Land Lord does not want anyone on rolling living there. (For rent insurance). Alot of rent insurance policies are only valid if the tenent is credit checked because you paid for 6 months in advance to begin with rent insurance policy did not matter. Plus the tenent has to be on an AST. if the client leaves in first month you get more money than if he leaves in last. Now that you are paying monthly rent insurance policy does matter so have to be credit checked. As for the contract renewal fee most agents do this (I don't like it).
  14. I agree how can we have inflation when people are loosing there jobs? I've noticed my nights out are getting cheaper some of the big clubs in London that use to charge £15 to get in are charging £10.
  15. Basically no unless you get some landlord mail which has that infomration init for you!
  16. Which i think says alot about the type of place your living in!
  17. Which i think says alot about the type of place your living in!
  18. What Landlords do you know that wouldn't mind you painting your daughters room pink? SO many posters here like to make out renting is good but the truth is living in your own place is so much better!
  19. What do you tell your child when he/she wants there room painted in a particular colour? Or wants to put up a couple of posters?
  20. I think the offer is highly dependent on the area. Do you know how much prices have fallen from the peak in the area?
  21. Am I the only one that still enjoys working in IT? I'm 28 and have been doing it since I graduated. I spend almost all of my time in C++, Java and SQL. I wake up most morning wanting to get into the offfice.
  22. Bro i have 1 BTL I just get tired of some of the silly comments on this site. Credit checks for Landlords what ever next!!
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