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House Price Crash Forum


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Everything posted by SarahBell

  1. Does anyone believe the extra uncertainty and delays are good for the economy?
  2. Have looked at the story now: All landlords will have to be licensed to own property in Boscombe under a new scheme to tackle anti-social behaviour and poor quality homes. Well ffs, can't the police deal with anti-social behaviour? And in most cases it's never solved it's just moved on somewhere.
  3. I don't think adding in extra bureacracy to anything makes it better. I suspect it'll be (without looking at the scheme in detail) a way to bolster local governemtn staffig for housing and to then ultimately add more public sector pensions on to the tax payer's burden. The schemes are unnecessary IF environmental health are easy to get hold of and act quickly in cases of bad landlords. They have powers to force repairs. They should also work with the courts to show that a landlord who revenge evicts isn't fit to be a landlord. Publicising tenants rights via soaps or facebook would be a better way of getting a better quality of housing for all. (which must in theory be the aim of any such scheme) 1/3 poor housing is in the social housing sector though and env health won't get involved in them.
  4. " Ain't it funny how EU laws prohibit the non-elected government from doing whatever the ****** they want without parliamentary consent? " says Greek. FFS, I distinctly remember there being a general election and the conservatives getting in. Just cos it's not that shiny faced man anymore really doesn't matter.
  5. All the 'uncertainty' taunted at Brexit voters has come true. By the people who voted to stay making the whole world laugh their pants off at the UK. I hope the EU dissolves up it's own **** in the next week and that the first to go is that blinking Merkel woman.
  6. I think we need to make people take a test before - take a test before opening a bank account - take a test before using a bank account - take a test before being allowed to apply for an overdraft/credit card/mortgage - be subject to spending reviews - be forced to save money from their salary. Yes forced. Take money from the money in and put it into another account. - have their spending habits scrutinised before they're allowed to borrow a bean. I want a snotty bank manager to tell the scrotes that they can't have a mortgage/loan/cc because they spend too much on foreign holidays and crappy clothes AND coffee.
  7. Bankruptcy: The traditional way of escaping overwhelming debt. Ends after one year, but you are likely to lose all your assets, including your house, to pay something to the creditors. Since April, applications can be made online and considered by an adjudicator. Costs £655 Who can afford to go bankrupt?
  8. true. They could make savers spend money by upping interest rates and actually showing people why saving is good.
  9. http://www.bbc.co.uk/news/business-37798513 " Stop buying, for example, one cup of takeaway coffee every day, he recommends. " The UK economy floats on coffee. Let's put the plug on that and see how much money can be saved. (PS: How much turnover and tax do all the big coffee chains have?)
  10. http://www.rightmove.co.uk/property-for-sale/find.html?searchType=SALE&locationIdentifier=POSTCODE^1368648&insId=2&radius=0.0&minPrice=&maxPrice=&minBedrooms=&maxBedrooms=&displayPropertyType=&maxDaysSinceAdded=&includeSSTC=true&_includeSSTC=on&sortByPriceDescending=&primaryDisplayPropertyType=&secondaryDisplayPropertyType=&oldDisplayPropertyType=&oldPrimaryDisplayPropertyType=&newHome=&auction=false In addition the residents have part ownership and access to 5 acre nature reserve which adjoins the Hamlet boasting pond, woodland and maintained grassed areas. MANAGEMENT COMPANY The owners of the property will have a part share in the ownership of Racefield Management Company who in turn have ownership of the Freehold. There is a monthly service charge of £120. You can look at the accounts of the company if you do a search. £120 a month for part ownership of 5 acres of nature reserve?
  11. Isn't it uber without an app? His insurance may have something to say in the event of an accident.
  12. From VM's page: Consumer buy-to-let explained Introduced by the Mortgage Credit Directive and expected to impact a small proportion of existing buy-to-let customers by offering some additional consumer protections, such as the Financial Ombudsman Scheme, depending on the customer’s individual circumstances. At Virgin Money, our entire buy-to-let mortgage product range is available to consumer-buy-to-let customers. The standard buy-to-let lending criteria will also apply. We will determine during the loan application process whether the loan is buy-to-let or consumer buy-to-let. If you have any questions please contact us and we’ll be happy to hel
  13. Our buy-to-let and consumer buy-to-let mortgage criteria The maximum loan to value for a buy-to-let mortgage with Virgin Money is 75%. Your minimum personal income (excluding income received from buy-to-let properties) needs to be £25,000 per annum. If your application is in joint names, the combined minimum income will also be £25,000. The rental income must cover 125% of the mortgage interest, calculated at a notional rate of 5.74% or the pay rate of the selected product, whichever is higher. You or a joint applicant must have been an owner-occupier of a property for 6 months or more. ------ Calculate for a house costing say £50k, £100k, £150k and show the income yield after the new tax changes come fully into effect. Please show your workings and state the differences when you put the rents up.
  14. Broadbent Moss and Beal Valley in Oldham Beal Valley - dumping ground. Considered for golf course back in 2009. http://www.oldham-chronicle.co.uk/news-features/8/news-headlines/31417/beal-valley-golf-course-bunkered Oh no way before then JOINT OFFICERS REPORT TO CABINET 15 APRIL 2004 THE BEAL VALLEY The Council entered into a development agreement with P & C Casey Ltd in August 1995 by which a 18 hole golf course would be developed on land within the Beal Valley following a major landfill operation. http://committees.oldham.gov.uk/Data/Cabinet/20040415/Minutes/$Item 8 Report.doc.pdf So they're building on a tip?
  15. " The 'super council' has drawn up its 20-year plan for 225,000 new homes - and a quarter of it would be on green belt, including in Bury, Salford, Stockport, Trafford, Oldham and Rochdale " Which bit annoys me most? The super council as a concept - or building on green belt. IMO You can build on greenbelt only when all the brownfield space is sorted out. Until then leave the green stuff alone.
  16. http://www.manchestereveningnews.co.uk/news/greater-manchester-green-belt-gmsf-12053737#ICID=FB-MEN-main
  17. Not sure if he's just bragging or after attracting to the wrong sort of woman.
  18. " Travis Perkins has taken on 4,000 staff this year amid an expansion of its best-performing outlets - with over 50 Wickes stores given an overhaul. " "Travis Perkins is cutting 600 jobs and closing more than 30 branches as it warns of "uncertain" trading in the year ahead. " So they've still got 3400 more jobs than they started the year with?
  19. Remove the storey rule so all houses (regardless of how many floors) with 5 or more people from 2 or more households are in scope – this will further enable local authorities to tackle poor standards, migration and the problems being seen in high risk smaller properties as the sector has grown; Extend mandatory licensing to flats above and below business premises (regardless of the number of storeys) - as the evidence shows more problems in these properties; and Set a minimum room size of 6.52sq-m in line with the existing overcrowding standard (Housing Act 1985) to close a loophole recently created by an upper-tier tribunal ruling which is enabling some landlords to let rooms far too small for an adult to legally occupy.
  20. They have so much warning time to do something about their situations. " The crackdown, once fully phased in by 2021 "
  21. So by 2018 it'll be dampened. Maybe there needs to be a sticky post about how finances will work out once the change is fully in effect?
  22. So is the process not going to have any opportunities for people to show where they legitimately got the money from? The tax man currently works like this: You owe HMRC £100k, show you don't.
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