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Everything posted by JosephHoward

  1. As an existing first direct customer i managed to remortgage with NO fees on to a 1.29 above base for life tracker. Think the fee for new customers was £950 - probably still a good deal depending on size and term of mortgage.
  2. It's 1.99% above base lifetime tracker so buying is the sane man's choice in these circumstances but nice try my angry little pal:)
  3. I'm on HPC because there are some very intelligent posters whose opinions on various economic matters i like to read about. I find them very interesting. I posted on this thread to highlight the new rules on mortgage lending must be being taken very seriously by HSBC/First Direct and highlighted the fact by detailing what they allowed me compared to the original poster. I really have no idea why you are so angry mateeyyyyyy.
  4. I am amazed they rejected you as i bought a 225k house (with an 80k deposit) on a wage of 32k and my wife was on mat leave. This was with First Direct.
  5. cheers mate. i'm in the hyndburn area and although prices have dropped i thought they would have dropped more. it's quite a low wage area, no idea how people were buying terraces for 100k that were 15k when i was young!
  6. I sold in 2010 and have been in rented since. In that time we have had one baby and another is due in a few weeks so ideally we need something bigger (and the Mrs is getting on at me!). Went to view one a few weeks ago been on for a while started over 250k think i might be able to get it for 185k - it's starting to look very tempting. Big detached house, 4 reception rooms, double garage and all bedrooms are big. Master bedroom is 21 foot by 16 foot as an example. Very very tempted............
  7. http://www.dailymail.co.uk/money/news/article-2212487/House-prices-need-fall-dont-politicians-understand-asks-Terry-Smith.html
  8. I work in IT (none of us appear to do anything but post one here!) in the NW of England. Over the last 7 years shares in the company have collapsed and there were alot of redundancies across all depts not just IT. However, things seem to be picking up, the company is performing better and my job appears to be secure for the next few years at least.
  9. i'm going to have set this to series link to watch after work. it sounds fantastic
  10. I think it is Burnley Savings and Loans Ltd.
  11. Not got a mortgage but have a Weber BBQ. That made me feel grown up.
  12. not in my company! all the senior managers have been brought in from external companies and it would appear none of them have a m/frame background!
  13. hmmmm a source tells me that they had upgraded ca7 without applying tolerances patches. when it fails it causes a bit of a problem especailly as no backups of the initial system had been made
  14. I wouldn't for one second think a senior manager would know anything about a batch scheduler. What amazes me is that the Operations dept didn't realise there was no jobs on the queue!
  15. it is someones fault though. CA7 doesn't make mistakes. It does what you tell it
  16. I was wondering if someone could help please. The wife has seen a house in an area she really likes and wants to go and view it. Don't worry i won't be buying unless there is a very good reduction as i believe they will continue to drop in the North West. However, i can't find the previous sold price anywhere? Anyone know why this might be?
  17. "I could easily impulse buy a car," she admits. I suddenly think my wife isn't to bad!
  18. I'm 34 and married with a 10 week old baby. I live in East Lancs and earn approx 34k. I bought in 2002 and sold it last year. I now rent a 3 bed semi detatched home with plenty of space for £690/month. All profit from first house sale is in shares which has done well so far. Happy to rent until we get some serious price drops which are starting to happen in my area.
  19. What's the EA got to do with this? This is what the person selling the house said to me.
  20. Went to view a house with the Mrs last week, a 4 bedroom detached house with nice size garden etc The price was 225k. Now the wife knows my views on houseprices as I lurk on here most days but the property had been on a year so i thought if we really liked it I might put in an offer of say 185k for starters. After we viewed the house (pleasantly surprised) i enquired if there was any room to negotiate. Certainly she said, we rejected 220k last year but could maybe meet me halfway on the remaining 5k. I nearly fainted! Are people really this crazy?
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