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House Price Crash Forum

BearlyBegun

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Everything posted by BearlyBegun

  1. https://www.thedailymash.co.uk/news/celebrity/why-you-office-plebs-must-listen-to-advice-from-a-rich-property-developer-by-kirstie-allsopp-20200806199182
  2. https://www.bbc.co.uk/news/business-53247066 UK house prices 'in first annual fall for eight years'
  3. My large & local central London Sainsburys is playing their recorded message regarding "2 or 3 of each important item per customer - this includes hand sanitizer / soap / toilet roll and cleaning products" on loop - which is quite amusing as their shelves have been literally bare of of these items for more than 10 days running! Its actually completely stripped of all products now - virtually no fresh veg, no fresh meat / fish, no tinned goods, none of the key items mentioned above, no toothpaste ffs
  4. Ah, I see. You're specifically referring to that August 2016 cut, from 0.5% to 0.25% I didnt read the prev part of your exchange that lead to that statement
  5. I must admit I'm really confused by this statement (my bold).... Of course there was a plan to lower rates and print before Brexit. That was the only Global plan for 10 years since GFC. In fact its still the plan from all the central banks now as the next global recession looms... Aren't central banks signalling that the next move will be down (some already started) and surely its fully expected that the "plan" started during the GFC will continue? Brexit clearly doesnt help, but I think the BoE would be following others (FED) anyway
  6. Virgin Money seem to agree with you, considering they just launched a 15 YEAR fixed mortgage @ 2.55% (65% LTV) https://www.financialreporter.co.uk/mortgages/virgin-money-launches-15-year-fixed-rate-mortgage.html
  7. Aside from Assured Shorthold Tenancy and this proposal for all to become Assured Tenancy, are there many other types still in use? Because I noticed just now on Rightmove in the "tenancy info" popup for a London property it said: To be paid when making an offer for an ASTHolding deposit *per tenancy - equal to one week's rentTo be paid when making an offer for a non-ASTHolding deposit *per tenancy - equal to one week's rentReferencing charge:- per individual applicant (including 'right to rent' check) and/or guarantor - £60.00- per company applicant and/or guarantor - £66.00Preparation of tenancy agreement, per tenancy - £300.00Inventory check-in, per tenancy - £130.00*Please ask to see the conditions on the holding deposit receipt form as to whether all or part of the above will be refunded should the tenancy not proceed. Is this an EA (or landlord) trying to wriggle out of the recent ban on fees, and possibly trying to sign a new tenant up to a different type of agreement... and therefore be forced to pay fees again? Or am I being too cynical?
  8. Far from my favourite publication, but ThisIsMoney has gone with headline: 'Punishing' drop in London house prices is fastest decline since the recession, official data shows https://www.thisismoney.co.uk/money/mortgageshome/article-7225281/House-price-growth-grinds-halt-England-drop-London-prices-weighs-market.html
  9. Too right they would, the scumbags ... great! https://england.shelter.org.uk/housing_advice/private_renting/letting_agent_fees_for_tenants The tenant fees ban from 1 June 2019 From 1 June 2019 all upfront fees for tenants will be banned. What you can’t be asked to pay If you sign a new tenancy or renew your tenancy after 1 June, you can’t be asked to pay for: • referencing • credit and immigration checks • administration • renewing your contract What you can still be asked to pay The only fees that you can be charged will be: • for the cost of replacing a key if you lose one • if you are more than 14 days late with your rent • if you want to change your tenancy or bring it to an end
  10. May I ask - does this mean you were charged nothing at all for the process? (aside from the deposit protection amount, and the 1month rent in advance) If so this is great news & presumably they charged the credit check and contract to the LL... I thought I read somewhere that "reasonable cost" of credit check and contract (e.g. reasonable cost of £4 and £20 respectively) might still be billable to tenant Thanks
  11. Just hover over the users avatar on left of page for a second or so, and the popup window includes the option "Ignore User" - on the next page you will have options on what/all to ignore from them. I applied it a long time ago for the user in question...
  12. Awesome news... both rents and house prices falling for the rest of 2019 - excellent!
  13. Ignore function is still there for me...? I hover over an avatar on left hand side in the thread and can click to ignore user, then it takes me to the next page where I specify what to ignore (posts / direct messages etc)
  14. "Brexit has wiped thousands of pounds off London rental growth, saving tenants up to £1,800 since referendum" https://www.thisismoney.co.uk/money/buytolet/article-6622787/Brexit-wiped-thousands-pounds-London-rental-growth.html From the link: Uncertainty since the Brexit vote has hit demand for rental properties in London Combined with tougher tax treatment, this has slowed rental growth Across the rest of the country rental growth has continued as normal Void periods have increased for landlords over the past three months
  15. "Brexit has wiped thousands of pounds off London rental growth, saving tenants up to £1,800 since referendum" https://www.thisismoney.co.uk/money/buytolet/article-6622787/Brexit-wiped-thousands-pounds-London-rental-growth.html From the link: Uncertainty since the Brexit vote has hit demand for rental properties in London Combined with tougher tax treatment, this has slowed rental growth Across the rest of the country rental growth has continued as normal Void periods have increased for landlords over the past three months
  16. I have an ISA with them that exceeds their loan offer amount, which I guess from their side makes the offer safe for them... I dont own a house/mortgage though.
  17. In the last 10 days HSBC have emailed me twice, unprompted, with their marketing push - I do bank with them though: HSBC Personal Loan at 3.3% APR representative on amounts of £7,000 - £15,000 for 1 to 5 years Also: The new year is a chance to start afresh, and whatever plans you have, you could make them happen with an HSBC Personal Loan. You’re highly likely to be accepted for a loan of up to £25,000 and, because we already know you, it’s quick and easy to apply on the go. If your application is approved, the money will be in your account instantly. I have no need for it & so havent actually tested whether they actually would give it.
  18. I particularly enjoyed the final paragraph about what the Treasury is currently considering: But it is also believed to be examining ways to close loopholes which have allowed many landlords to escape higher buy to let taxes by “incorporating” their property portfolios.
  19. Via BBC - Royal statistical society looking for entries for a competition https://www.bbc.co.uk/news/science-environment-45285615 "To celebrate the power of numbers to shine a light on fake news and bogus claims, the Royal Statistical Society runs a competition for the best statistic of the year. They want people to send in the stat that captures the zeitgeist of 2018, or in some way reveals something surprising or powerful - a hitherto unseen truth." I imagine the HPC massive have a good few "favourite" lies in stats when it comes to the UK housing market and economy?
  20. BBC have now posted with a positive spin: House prices rise the fastest in West Midlands https://www.bbc.co.uk/news/business-45196524
  21. Makes a further mockery of the Rightmove Asking Prices index - even more useless than I thought if two-thirds of them are subsequently withdrawn!
  22. I had a pint outside in Hyde park recently, by the serpentine - served in a plastic pint cup that carried a print saying "I am not a normal plastic cup" or something like that. I googled the company and found out it was made of PLA which is a type of plastic made from organic base. Looked and felt exactly like any other plastic pint cup I have come across but apparently this cup when exposed to elements (landfill/composted) it breaks down completely in 6-24months. I really cannot believe that we havent banned normal plastics for at least all the ordinary plastic cups/cutlery/straws etc that are used in the UK. I'm sure many other products could also be made using this PLA or similar organic plastics that break down quickly... I dont know why we havent forced the market over to these other options. Surely the public opinion would be behind this kind of policy?
  23. It was driving me mental on Chrome until I recently installed the from Chrome add-in uBlock which works brilliantly and cuts out most adverts including the floating video. I'd recommend uBlock
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