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House Price Crash Forum


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About Jason

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    HPC Vindicated

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    South East - FTBer

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  1. I'm surprised no-one has said this: Chancellor Rishi Sunak hints at ruling out 8% pension rise https://www.bbc.co.uk/news/business-57762787
  2. So the productive part of society, i.e. the private sector, gets screwed again. I'm not sure how the life time allowance works to be fair, but if you got a defined benefit of say, £100k pa, does the lifetime allowance not apply?
  3. Many employers require extra staff to cover holiday and sickness cover, and many of those has been using furlough to cut down the costs of those extra staff.
  4. I concur. For me to get a bus to work I would have to leave the day before, and then I would get to work at 09:30. Another alternative is to walk part of it, so about 45mins on the bus and then a 45 mins walk. Or use my car which takes just over 15 mins.
  5. Well at least it is something to try and encourage you to work. I think the issue most mothers have is if they left, and later tried to get a part time job they are few and far between that are much more than min wage. So if you can keep your median waged job, but work less days it does work out. My Mrs had a full 12 months mat leave for the first, returned with a huge amount of accrued holiday so worked three days but paid for four. The second child came 20 months later, so she only worked seven months before the second round of mat leave. As we won't have any more children, her accrued holiday is being added to the end, so nearly 14 months off this time. The problem we face is when both are in nursery until we get the free hours, and that will swallow all of her wage - however that will only be for an eight month period. Also, we think it's unfair to move our first child out of nursery (two days per week) during my Mrs second round of mat leave, so that's costing us more but our choice. When both kids are in school, that's when it really pays back - but my Mrs will only be working three days per week then, so we think it's a good balance. And this is based on her earning less than the median average (£27k ish full time pro-rata). For nursery costs, it's £5.50 per hour plus food (£5.00 per day). However you get the tax back, so it costs us £39.2 which is £4.90 per hour. As for the £50k taper/limit on child benefit, you can just put extra into your pension to bring it down to £50k so you get full CB.
  6. You do get tax relief for childcare if both parents work and both earn under £100k. Also, in the last year you 30 free hours term time, although you do have to pay a top up. The best way to do it is to reduce how much you work, say a three day week and only do childcare for those days. That's what me and the Mrs are doing, and we have two kids now.
  7. What I don't understand is why didn't he just build the 'Eye' part of the building, sell that or move into it, and carry on with the build. Looking on the maps, I don't see why he couldn't do that. GoogleMapLink
  8. You could offer her a percentage, say 10%, of any sale price by a certain date (stamp duty hol)? That would motivate her to sell at the highest cost, and see an end to it all.
  9. I have to say I echo this. I'm in North Hampshire, and prices in our [small] new build estate have gone crazy since it was built in 2017 (well for the 4 bed detached ones). The confirmed sale across the road has SSTC for 24% more than buying (cash buyer), the house next door has sold for 20ish% more and the buyers have moved in (have to wait for the land reg data to confirm exact price). And the funny thing is after talking to the seller across the road (a good friend), I jokingly said I would sell for that and reduce the mortgage. I then get a hand written note through the door from the estate agent valuing our house at £575k, +28% more (bigger plot, south facing garden)! However... even at those stupid prices there's nothing for sale that isn't equally stupidly priced. But my gut feel is this is the last hurrah. I really do. Prices are so out of kilter of anything, it just takes for the tide to turn and they will be a stampede - but it still might go on for another year, maybe. I bet some get valued less than the offer by the mortgage company, and that will start to collapse sales. I suppose time will tell.
  10. Will the sky pool be heated? That would cost an absolute fortune if it is in the winter!
  11. Most houses are going to the SIPS building method, unless it's a bespoke design. Me and the Mrs are applying for a self build plot (from the council, like the Graven Hill project but smaller) and I will be going down the SIPS route. If you want cost control, and a simple build that is the only cost effective route we would consider - we don't have the budget for those overruns like on Grand Designs. But it's still a long shot we would be allocated a plot - there's huge demand!
  12. No, the new builds these days are SIPS wooden panels, so it's the timber frame that holds the roof and floors up. The outside brick is just the outside skin. It could be anything.. brick, wooden cladinging, tile, or stone in my case.
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