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nicebuyer

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About nicebuyer

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    HPC Poster

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    London
  1. House I had, nice American bloke has it now, anyway, I'm off, last post, adios!
  2. No, not at that point, I think I screwed up the Turkey
  3. Seriously, I have no idea what you are trying to prove. 1. I sold my house. Guess what? There was no mortgage on it. You questioned it, I sent you a link to prove it, you questioned again, I then sent you a pic of my wife in that house. 2. After selling the house I went into rented. As it happens the details of the house remained on rightmove for some time, as EAs tend to do so I referred to them many times. As an aside, I moved into rented well before the sale on my house finalised. 3. I also happen to won more than one car, again, so what? Can I buy another car when owning one? Why I'm explaining myself to you I have no idea.
  4. There's a difference between offering on a house (and having the offer rejected as per the quote you offered up) and actually buying a house, you have still not shown a post where I said I had bought a house. Incidentally the houses that I have offered on have sold. Re. the benefits quote, if you wish to call tax planning defrauding the state then so be it. I happen to pay every last penny of income tax (even though many of my colleagues do not) and when it comes to SDLT I'm happy using a loophole, but that's by the by. I do hope that one day you cheer up and stop feeling the need to be quite so egregious and nasty. I do happen to think many people on HPC are really genuine and don't deserve the reputation they get because people like you frequent this place, you bring it down, throw insults and are so far outside of reality most feel sorry for you but of course you don't see it. This place is not full of loonies but unfortunately for the majority many people think it is purely because of posters like you. I'm can only hope one day you get a bit of cash in your pocket to enable you to buy a house and get that giant chip off your shoulder. Enjoy the rest of your time here, and once again, good luck to everyone else, I hope it all works out! Cheers!
  5. this is a better link explaining this particular Sharia loophole: http://www.citywire.co.uk/personal/-/comme...0958&Page=1 It's not the onyl way of doing it though, there are plenty, this is just one that's flavour of the month right now.
  6. No, I'm not paying all that for curtains There are numerous ways of avoiding SDLT, one might for example be to use the new Sharia law rules eg: http://www.ft.com/cms/s/2/a700cb3e-7873-11...144feabdc0.html It's a bit complicated but totally above board. Indeed one needs to inform the Inland Revenue exactly what you are doing when you get to the SDLT stage, you (your tax planning firm) writes to them to inform them of the loophole you are using. It's a law they brought in last year so that everything is open and they know what people are doing. Isn't this all common knowledge? I doubt many people buying over £500k pay SDLT anymore do they?
  7. I buy a house whenever there is good news? You'll see that was the one and only time and you'll also see that I never purchased, I was looking for advice. I also don't think there was anygood news at that time at all. So you're wrong but I think most people would expect that of you.
  8. I won't be paying anything of the sort thanks. Firstly removals all in will be £800, structural £940 inc VAT, and SDLT, well, let's just say it wont be £24k. I have brains thanks.
  9. It goes both ways of course Those out of the market are going to feel bearish. However I feel I have a relatively objective outlook, POV, I've been on both sides over the last week and in my opinion I think that buying now is sensible for me. I personally think house prices will stagnate for a few years, I don't see massive rises but at the same time I don't see the 40% drops that many people here have suggested but let's be honest, we are all pissing in the wind, we have no idea. The biggest factor in all of this is not swap rates or IBL but what the media is reporting and how it's reported. Another month where the BBC front page story is "HOUSE PRICES RISE AGAIN, RECORD RISES" and then at the same time "RECORD LOW INTEREST RATES, HELD AGAIN'. That has an impact and one only needs to listen to people in the office or at the restaurant/dinner party talking about property again. Prices may fall, prices will inevitably rise again but I've got to the point where it no longer matters, where worrying about this stuff is secondary to what we should all be doing, living our lives. And that for me is key. I don't really care if I lose a few quid at least I have a little place to call home, close to a decent school and a nice big park
  10. Went with the Abbey, put down 40%, I'm buying a Victorian terrace in SW19, 3 bed, 2 bathroom, nice little place, garden too small of course Had to pay a bit more because it's close to two excellent schools so there's a bit of a premium there. Going to stay in London for another few years and then moving out and finding something bigger.
  11. It's funny, the financial system was on the brink of collapse, unemployment is sky high, the BOE has had to pump massive amounts into the economy to save it, it's dropped interest rates to record lows, house sale levels are and have been at incredible lows, the country is almost bankrupt and what do we have? A market sentiment that says 'the house market has recovered, prices are up, times are good. I'm amazed at what's happening, how people are reacting just a few months after potential oblivion but it's the way that it is. Sentiment has changed, attitudes are different and no matter what we al think, the general public doesn't see things like the average HPCer.
  12. Like everyone else, after selling at peak I was selfishly hoping for 30%+ falls in prices but it's just not happened nor do I see it happening. The price level at which I'm buying ~£600k hasn't seemed to move much in London over the past year, £50k here, £50k there, nothing to get too excited and write home about. So rather than continue renting I've finally gone and made an offer, got it accepted and bought a house about £60k under what it would have been last year. With a young boy needing to settle into a permanent home and a wife fed up of renting we've made the decision. As much as I can see and spin the figures to make buying now look silly and as hard as I can argue you just can't change sentiment. I know £600k for a 3 bed house is ridiculous but unfortunately the general sentiment is that although we may all be right, it's just the way things are. The fact is the 'man on the street' sees the latest news story talking about house price increases and BINGO, suddenly sentiment has changed and people believe in housing again. You just can't argue against sentiment. So I'm now a homeowner again, happy that I made a bit of cash during my brief time as a HPCer, sold at the right time and perhaps bought at the right time. If prices do decline then so be it, I'll be a few quid out of pocket but then again, I made enough on my sale. Finally I can stop worrying about house prices, arguing about what will happen, spend time reading forums about them and just enjoy life. So good luck everyone!
  13. Like everyone else, after selling at peak I was selfishly hoping for 30%+ falls in prices but it's just not happened nor do I see it happening. The price level at which I'm buying ~£600k hasn't seemed to move much in London over the past year, £50k here, £50k there, nothing to get too excited and write home about. So rather than continue renting I've finally gone and made an offer, got it accepted and bought a house about £60k under what it would have been last year. With a young boy needing to settle into a permanent home and a wife fed up of renting we've made the decision. As much as I can see and spin the figures to make buying now look silly and as hard as I can argue you just can't change sentiment. I know £600k for a 3 bed house is ridiculous but unfortunately the general sentiment is that although we may all be right, it's just the way things are. The fact is the 'man on the street' sees the latest news story talking about house price increases and BINGO, suddenly sentiment has changed and people believe in housing again. You just can't argue against sentiment. So I'm now a homeowner again, happy that I made a bit of cash during my brief time as a HPCer, sold at the right time and perhaps bought at the right time. If prices do decline then so be it, I'll be a few quid out of pocket but then again, I made enough on my sale. Finally I can stop worrying about house prices, arguing about what will happen, spend time reading forums about them and just enjoy life. So good luck everyone!
  14. The FTSE actually has very little to do with the UK economy, the two aren't linked at all and certainly it has nothing to do with UK house prices so ignore it.
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