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FTB-house-hunter

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Everything posted by FTB-house-hunter

  1. I fully expect the state pension to go bye bye for many. It will reach a point where they say everyone needs £xxx a week to live on, if you get that figure or above, no state pension for you.
  2. I couldn't get the headline rate on my recent mortgage due to the EPC rating. Very few properties are rated A or B from what I got told. I took it to be an advertisement of a possible rate, one I had no chance of getting!
  3. Well done @markyh, you have done the right thing imho. I would bin the rest of the HEX if i was you, but now you have reached your goal, it's not so important letting it ride I guess.
  4. £11,000 for the cheap version and £14,000 for the best spec version. How on earth are manufactures in the EU going to complete, when the china ev's turn up? Most aren't even planning to come to market with the small hatchbacks for 4-6 years!
  5. Had to queue for 30 minutes yesterday to pick up some petrol after my nightshift. Drove past the same petrol station 20 minutes ago and there is no queue, just a few cars at the pumps. I guess everyone who was panic buying, can't put any more in their car and normal service is resumed.
  6. I agree with you. If you can afford it, then it makes sense as Tesla is the way to go. The big problem is, not very many people can. I only hope the small 25k Tesla actually happens. It should be a massive shot in the arm for adoption rates of EV's. I would certainly be interested at that kind of price point.
  7. For anyone who earns a normal wage I imagine. Is the average yearly wage about 30k? Paying £767 per month, on top of a mortgage and bills is beyond what the majoirty of the UK could afford. Fair play for you if you can tho, would love a model 3! Enjoy the car
  8. EV's will come down in price, when the manufactures have re-tooled their plants to make EV's, and not ICE cars like they are a the moment. They need people to keep buying ICE cars until they have completed the swap over. This is one of the main reasons EV's are so expensive.
  9. Could I ask for a PM please with the company details? Would very much apprieciate it :)
  10. Am looking at solar panels and battery storage for my new place. Wonder if demand will rise due to all this, and the prices start to increase even more. Have already noticed an increase in prices for installation recently!
  11. 1st home = 0.5% each year 2nd home = 1% each year 3rd home = 1.5% each year and so on, and so on. Wouldn't matter if it was in a limited company that owned the properties either. Everyone pays.
  12. I agree with it. I would even go further and charge a higher % each year for second and third homes etc. Every dwelling should have to pay it, no excuses or loopholes.
  13. No point, we have a RICS valuation of 285 which is a fair, independant price imo. Estate agents will say what ever they want in order to get another house on the books.
  14. West Midlands, nope! We both agreed there is no point letting them get involved (and paying them) as there was nothing for them to do. They just supplied a free, no obligation valuation which turned out to be a kite flying valuation. No suprise there really. Still, it's a bit of real world evidence of what it is currently like out there.
  15. Valued at 375 by EA, offered 300 which is accpeted. Survey says.... 285. At least the owner and myself seemed to be more inline with reality. Going to be an interesting conversation this weekend when I have the survey in my hand...
  16. 1k up front or 1% on completion. Sadly for the EA they aren't involved in this transaction so they can go swivel
  17. Got a valuation booked next week, be interesting to see what they say. Anyone know roughly how long it takes for the survey to be released? I already managed to get a decent chunk knocked off the eye watering EA price, wouldn't say no to more though
  18. How, when the UK government refused to grant any Visas until the sh*t hit fan?
  19. Maybe if he and his staff hadn't been turned away from the airport after queuing for a day, none of this mess would have happened? If Mr Tugendhat is that concerned about his interpreter's family, why didn't he moved heaven and earth to ensure they got out before this mess started? Back in July, 45 senior officers warned the government what was about to happen, and they did sweet FA. It seems there is a lot of deflection and finger pointing going on, in order to place blame elsewhere.
  20. I didn't realise there was a point to be ignored. The runway security and air traffic control people didn't leave the airport and helped provide capacity for 100 extra people to leave the country? https://www.bbc.co.uk/news/uk-england-essex-58370218 It doesn't sound like any British soldiers have been used for his and the animals passage through the city. I think it's a good result if you ask me, animals in the hold and people in the seats. Every extra person taken out of Afghanistan and away from danger is a bonus.
  21. Used where? If you have one slot for a plane to take off, and one plane (full of eligible passengers) takes off, what is lost? Don't see the issue myself.
  22. As you say, hindsight is a wonderful thing and you live and learn. It was done as it was, in case my dad ended up in a home due to ill health etc. I will just bite the bullet I guess and get rid of all my eth, 30% of my other coins and see where things are. If I need to sell 25% of my btc, so be it. Thanks all, it's been helpful.
  23. Bang on, not something I would want to do to my mom either. It also states in the will, it can't be sold unless mom wants it to be sold. No chance of the share being bought out by my siblings either. Oh well, a small bump in the road.
  24. Indeed its complicated with many variables that could affect advice, I was just looking for some quick advice. Just had a bit of a nasty shock though which has thrown a few spanners in the works! I just realised I don't think I qualify as a first time buyer any more! My dad passed away not long back and I am due to inherit a third of his 50% share on his property. It's not been all sorted as the land registry paperwork isn't completed yet, but there goes the FTB ISA bonus and zero SDLT I was counting on
  25. I understand what you are saying and where you are coming from, but if I don't sell my eth, I can't buy the house as I won't get a mortgage due to the smaller deposit. I have already had a great return from eth. It's the coin that has put me in the great position I am in now, so crypto really is life changing. Without it, I would never be able to buy such a house. My bitcoin on the other hand has provided very little profit (mostly due to adding more satoshi's to my holdings with my CGT last year). With that being said, I might follow your advice and keep my bit of a bitcoin in the hope it goes to the moon a few years down the line. It doesn't owe me anything. Mortgage interest seems very low at the moment (1.2%). It's just all abit scary borrowing such big amounts as I have never been in debt before. I was raised to value money (seems people value debt more now) and save up if I want something!
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