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House Price Crash Forum


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About JayneyJR

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    HPC Newbie
  1. What a horrible time to go through - on so many levels. Well done to you all for getting through it. Thank you for the words of wisdom/experience. Guess we will just have to see what happens in the coming months.
  2. Like this idea very much - you've cheered me right up after my three-glasses-of-wine negative posting last night! Good old Rocky - it's hard not to be inspired by those films.
  3. I posted on here a few months ago about getting spooked over buying a house after HSBC gave us a particularly 'low' mortgage offer. We are still looking daily on RM but not serious about buying at these prices. However, I have grave concerns about how things will go even if there is a significant drop in prices. Anything within our potential budget (under £150k) around here gets snapped up pretty quickly. We went to look at a house today (open day) in a local village that had an asking price of £155k. It needed modernisation. The place had a substantial amount of damp, cracks in the walls,
  4. Yes it's crazy. The other lenders were happy to take into account our child tax credits even though from the new tax year we would not be eligible. Hopefully we'll see a return to sanity, which (fingers crossed) will lead to some downward pressure on prices.
  5. Thank you. Yes it was a close escape. Never thought I'd be thanking a bank though!
  6. I know it's shocking! A colleague of mine used to work in banking and she said they never used to take benefits into account.
  7. HSBC actually 'saved' us from buying a house recently. I had gotten quite down about everything after this latest Government backed mortgage for new builds scheme and started to wonder whether prices would really come down to a sensible level. Our rented house is also pretty sub-standard, mouldy, and cold ,which has been getting to me too. So anyway we decided to just go for it after my bank and a host of other lenders were willing to lend us £170k plus our deposit. We were all set to make an offer on a family house when my dad urged us to get a quote from HSBC as they were known for their a
  8. Apologies - deleted a quote by mistake. Probably should not be computing either!
  9. A basic part of driving is keeping pace with traffic. If you can't keep pace with traffic, or aren't comfortable keeping pace with traffic, then you need to either take lessons until you are able to keep pace safely or restrict yourself to roads with a 50mph speed limit, or stop driving altogether. Put simply, if you can't keep pace with traffic, THEN YOU CAN'T DRIVE. I'm not ageist, but I should draw attention to some recent studies. It showed that some people in their 60s had reaction times similar to someone who had had 3 pints of beer, and that they slowed down to speed at which they f
  10. I must say raising the limit frightens me somewhat. But then I'm one of those annoying motorists who does 55-60. When I owned my classics (Mark II Escort and Mini) 50 was my max. The Mini seemed to become unstable at 70 and besides I felt like I was doing a ton in it even at 40! I know modern vehicles have better brakes, are more responsive, etc. but I think this in a way gives people more confidence to push it that little bit more. There are a lot of bad drivers about (probably me included on a bad day!) and giving them permission to drive even faster is a worry.
  11. We had this problem. If you already own a non condenser dryer then you can purchase a separate condenser box that you can put the hose into. I have however heard some bad reviews about these. Or you can aim the hose out of an open window which is what we do. Ours is in our porch and we have to keep the window open all the time anyway due to condensation problems (luckily we live in the sticks in a low crime area, although we'll probably get burgled now I've said this!).
  12. Oh wow! Would be great if prices dropped this much in East Anglia though they are coming down slowly. I will show him this. Thanks.
  13. This is for all those who feel their morales, opinions, situations, etc. are so far removed from the general consensus that they may as well be renting on Mars. A small selection of my personal causes for head-banging: 1. A home-owning colleague who said (after I told him I could not justify the eye-watering repayments on an overpriced house if Interest Rates went up) “Why don't you buy to let just to get on the ladder? They say prices are going to rise by 20% in the next 5 years”. BANG... BANG... BANG... 2. Another home-owning colleague who wants to buy a house with their partner and tri
  14. Thanks for this and for everyones replies. Very interesting indeed. Was hoping to participate in discussions but frequently find with a 'sleep is for the weak' toddler that evenings vanish.
  15. Hi everyone. I've been a loyal fan of HPC for the past five years. My husband and I, both in our thirties, live in rented accommodation in rural Suffolk with our one-year-old son and dog. My husband earns slightly above the national average and I earn slightly below average pro-rata for two days/week. We would like to buy but can't justify the high mortgage repayments. Can't believe it has taken me until now to finally sign up and post! Anyway, enough of me, whilst doing my usual trawl of the estate agents offerings I came across this house that has secure tenants: http://www.clarkeandsi
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