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Sure thing!

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  1. A conversation with an excitable person at work talking about how much their house was "earning" them gave me a 2006/7 chill and cause to dust off the account here. Double rateable value was when the wheels fell off last time?
  2. Interesting one, we had title + boundary problem but buying from a seller that was unwilling to sort the problem out for no clear reason. It was a bad enough problem that you wouldn't have been able to get a mortgage had you informed the mortgage company which once discovered our solicitor had to do yet it wasn't immediatly obvious, the sellers original solicitor hadn't spotted it and they obtained a mortgage. I can easily imagine this sort of thing being put up for auction and overlooked leaving someone with a right headache. When we pulled out the EA said they would just sell to someone with a less fussy solicitor so arm yourself with a fussy solicitor!
  3. Is this just a "recovery" based on increased activity from the absolute bottom where prices undershot? Things are better than they were but they are not exactly flying off the shelf in this area and no obvious increases in prices over the past couple of years to speak of. The cheap repo stuff seems to have vanished though so I wonder does the now not so obvious gap between the distressed sales and normal sales account for some of this? A 10% change report would have had pages of responses in years gone by here, I guess that says something about the topic.
  4. I'm imagining a funny version of atlas shrugged where the landlords take themselves away to teach everyone a lesson about how important they are and a million pages later they realise they were the parasites and they are stuck in the mountains trying to rent to each other as they can't do anything else
  5. In previous years this would have generated a heap of responses and discussion, it's like a ghost ship in here now.
  6. Have noticed a bit of this, a fully modernised house in the best location/site in an area sells quickly at a decent price, then other nearby houses in bad locations/sites needing modernised come up for sale near this price and unsurprisingly don't sell.
  7. The absolute bottom isn't significantly off today at least here outside of Belfast, we sold in 2013 and wouldn't really expect getting much if anything more if selling now. 2013/14 was spent actively looking for somewhere while renting in-between and asides from a couple of repossessions that might have been dodgy there wasn't much screaming bargain compared to today with the one or two quality places selling at a premium and the junk languishing. As mentioned on here before there was a quite long period where plenty of people that didn't get caught up in the insanity were sitting waiting on the drops to stop, including plenty of us on here, 5 or so years of restraint from those that can afford things at these prices/rates might be giving a bump from the recent bottom? Hope we're sensible enough to avoid stupid stuff again, long term flat lining to let incomes catch up would be my second choice with the preference being having the drop continuing back to sensible local levels but I think that's going to need something to stimulate it.
  8. You were also talking about the Balls video being cut, which is clearly wasn't. Have a cookie though, misdirection x2
  9. If you are referring to the linked video they did not cut anything. Regardless of the beginning and the end the key issue is the about turn in the middle, they will always say they will be "tougher" on any issue. Another balls up.
  10. RV in some areas might be spot on, others not so and then there can still be massive variation in identical older RV houses that have had internal modernisation over their neighbours. If you've been hanging out here for a long time and watching your local area for a long time you likely know better than any estate agent or non local HPCer what the score is locally with various house types and how well they are priced. Oldies like bungalows too so might not have that much less demand? We looked at a few just never found one that didn't require dragging in to the present whilst still being sold at a premium price.
  11. Guess I should fess up and say we bought at the end of last year after selling 18 months previously and renting whilst waiting for the right place to come up. We got an offer we accepted on our previous house within a week at well over RV which all went smoothly and it was funny to be able to respond to overpriced sellers at viewings with "our house sold in a week, there's no problem with the market" when they said the bad market was the reason they were not able to find a buyer We did spend a few months trying to buy an overpriced house we really liked that had been for sale for 3 years without an offer which proved to be a waste of our time with hapless sellers and their useless solicitors, still not entirely sure if they were actually trying to sell.. The previous owners of our house were absentee landlords that hadn’t been back in NI for years so we really should have treated the purchase a bit more like a repo not being able to get answers to questions or being able to look someone in the eye. After moving in we found out they hadn't been paying their bills either so even more repo like. Had we been been pushing it affordability wise we would have been a bit stuffed with the things we uncovered, neglect you'd likely not get from owner occupied, lots of nasty and dangerous botch jobs (either DIY or letting agent tradesmen not giving a f**k) and one deliberate hidden bit of maliciousness that I assume was intended against the landlord but we're of course picking up the bill. The homebuyers report was expensive toilet roll. All that said, the house, location and the ground (they'd stick 4/5 detached houses on this plot now) tick all our boxes and we knew there would be some problems with it being an older house and ex-rental so left a pot aside just in case and can cope without selling the gold. We're bedding in here now and I thank my lucky stars I found HPC during the boom otherwise the 15k of unexpected maintenance might have had 240k of mortgage on top of it!
  12. Just been having a look through a lot of the well known charity accounts on the charity commission web site, pension deficits all over the place. While there are plenty of good local causes and some decent large charities, some of these are just taking the piss. And to top it off, noticing some of these are getting significant chunks of money from various taxpayer funded departments/organisations/local authorities, there goes my choice to avoid them..
  13. For anyone wanting ease of access to RV numbers from the propertynews site you can use the following script with firefox and the greasemonkey plugin: https://greasyfork.org/en/scripts/5969-pndcvllookup
  14. Try using AdBlock Plus or something, it makes browsing web sites a wholly more enjoyable experience and after a while you'll recoil in horror when you sit down to use a site you normally use on someone else’s computer and find its actually plastered in advertising.
  15. Ahh I have some gold already, but then so does everyone right? Man, I've been hanging about HPC for far too long..
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