Sure thing!
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Posts posted by Sure thing!
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I would, been waiting years and not getting any younger, if the right place comes up around RV I'll be making a move. Agree with most of what's been said but also have great faith in the stubbornness and idiocy of the general house worshiping population, media and government triumphing over the rational!
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I notice that Alan Bridle totally ignores the elephant in the room the 7% actual drop in house prices this quarter from a legal accurate source.
This is pathetic reporting by the BBC - they could have featured a link to the accurate government report and pointed out that this report is EA fantasy.
Not sure if they just added this to the article or not?
"Last week a new house price survey produced by government statisticians, which used stamp duty returns, put the average house price in Northern Ireland at the much lower figure of £98,500."
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All comments removed and page locked. Typical. Useless rag.
Haha, what a joke, will continue to spread the word about their s**tness whenever I have the chance.
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Wow, finally
Hopefully other NICS departments might join in on this strange concept of giving the people that pay them to collect the data access to it!
I know the Land registry index on the mainland does not include repos since they are "not market value". However after some campaigning they are looking at this again.
I haven't read through the methodology of the NI property index yet but the information should be there and if not then there is an address to comment to the statistician.
It seems to say as long as it is a taxable transaction it will be in there, the exceptions it lists are for a few categories where HMRC are not notified, so my guess is it is included.
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My advice, if you are going to buy is to buy a new house or a nearly new house as the running costs will be substantially less and the NHBC warranty will still be there.
I would say stuff the new build, pay slightly higher running costs and get a decent living space that you do not find in the vast majority of new builds. I had a new build rant written but hey they more people that go for new stuff the less competition there is for what I think is the better older stuff
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bmibaby future uncertain following BA deal
http://www.bbc.co.uk/news/uk-northern-ireland-17940862
All Bmibaby flights stopping from city on 11th June, by keeping them running short term they really did mean short term. BMI to LHR still operating at least.
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Consumers also highlighted the emotional impact of increases in mortgage repayments, describing them as "devastating" and "a disaster".
"Consumers" will take a reduction without mentioning it but on reversal they cry "disaster". They could afford the payments when the IR was significantly higher 5 years back, shock horror they may have to make an adjustment in spending when one bill rises, maybe even have to reverse the regular spending change they made when the rate was reduced. Think I might slap someone if they spouted that sort of shite in front of me.
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In a word -- no.
Still too many houses showing up as on the market for years with no drops at all. They should be removed from EA database since they have no intention of selling except at that price.
I'm regularally seeing houses with decent (not abnormally large) gardens hit near 50% off only to find the garden is for sale for 30%+ of the house cost separatly, that or a new build already in the former garden which is always missing from the EA pictures. Is this still working for people?
Fairly depressing as keep geting my hopes up that I've found a nice place at RV and well it wont be a nice place when it has a new build in the former garden
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I use the BMI flight to London for work. I'll be sad to see them go.
There has been some reduction in flights from here in the last 5/6 years, don't think you can even fly direct to Germany, europes biggest economy. Plenty to the touristy airports though. At least the drive to Dublin is quite quick and less tax to pay
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If you have trouble sleeping - this may do the trick.
Cheery extract, with that background and things getting worse RV seems high. I may go and dig out the bear suit I had put away..
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Definitely close to the bottom now. None of the usual suspects, including UTV, have said we have reached the bottom.
You know it's time to buy when..
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Tear in my eye thinking of the good old days when every garden, derelict house or swamp was a development just waiting for a savvy investor
I keep seeing houses of the sort I would be interested in at prices around the level I would be willing to pay only to find that they are trying to make up their imagined "loss" from peak by trying to sell the front/side garden as a site seperatly.
Most annoying as a key requirement for me is some surrounding space which people still try to flog off making the house no longer suitable and far too expensive for what it will be with a couple of new builds in the former garden
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I haven't decided to be honest ... I was already cynical ... now I am even worse!! I dont even want to deal with the bugger any further.
Happened to me too, what made it worse was they mentioned the higher offer I'd put in with them on a previous house when I said I wouldn't go higher (you offered X on Y the other month, why isn't this worth as much to you?) before the new bidder vanished. Like any transaction, once you think you're being played you no longer want to have any part of it.
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Well it's on a street of normally rated big value houses so guessing it's not a farm.
It looks lived in too, is this an exemption for church owned houses or can I have a prayer meeting every week and get it?
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One day Northern Ireland will join the real world and government departments will supply information to each other.
Meh, I don't think they ever will
To hijack a bit I thought I found a house with what I thought was a silly low RV but then seen it was split 50/50 with capital value and capital value exempt.
http://www.propertynews.com/Property/Newtownards/LFNLFC1886/7-Belfast-Road/190445141/Page2
Description : House Outbuildings Garden
Capital Value Non-Exempt : �145,000.00
Capital Value Exempt : �145,000.00
Property Size : 260.00 Square Metres
Does this get you half price rates or something or what is it?
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On a separate point, Templetons pricing across the board seems 'out of touch' to say the least.
Very much the case, I wont bother making much of an effort look up a price of a house I might be interested in if it has one of their boards up outside, whereas the same place with another agent I would look up as soon as possible.
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rarely buy a newspaper and don't necessarily agree with all I reproduce - I just like all the info out there and am interested in others opinions.
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It could be a whole new thread.
It sure could. Well you know my opinion on this one item
A change that would negatively impact everyone and hurt the averages the most while purporting to be a tax on the slightly wealthier. -
Lib Dem seems keen enough:
Other commentators not so:
Brown showed Govts spoke with forked tongue over pensions. A small business scheme re pensions was postponed a few days ago.
Between now and the budget next March might be a good time to check out BTLs for those at 40%. I wouldn't trust this govt as far as I could throw it - on pensions or anything else.
While governments may do a lot of seemingly crazy things, I honestly think that would be the biggest mistake made by any government in 20 years and the consequences would sink the country and create uncertainty for its peoples future by killing pensions stone dead as next up would be 25% tax free lump then tax free contributions for normal rate tax payers. Civil serpents would be excluded from all this of course. Think it through, there's absolutely no good that would come of it and lots of bad.
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No just the interest.
Though your and my taxes did also bail the banks out - without asking us! Is that treble taxing?
As it should be and that can be avoided with an ISA to a level, but that's not what Polly is suggesting which in your savings account example would be taking 20p off every pound a high rate tax payer takes out of their savings account. Pensions are a tax free wrapper, if you want to change that then admit its extra taxation of people that are already paying a higher rate to begin with and don't be going saying its a benefit or tax break/loophole.
It would absolutely destroy pensions at a time they are wanting people to save for their own retirement creating a big problem/cost down the road. And to bring it to HPC relevancy it would create an unholy BTL stampede from high rate tax payers.
My taxes do a lot of things I wish they didn't, bank bailing is low on my concerns there but its an easy scapegoat.
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You mean like savings?
What, you get taxed on every withdrawal you make from the bank? Damn, must go buy me some gold or a BTL
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The logic is - is it affordable - in this age of austerity that we are all in together?
Tax avoidance and loopholes are legal. That doesn't mean its fair. And laws can and do change.
NB Polly, the author, is in the 40% bracket.
The logic is pension contributions are tax free and any change to alter this would have some pretty horrific consequences, pension money taxed on the way in AND the way out? Any movement to do this would be double taxing -not- closing a loophole/whatever.
And Polly, the author, is a total loopy tune.
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They get the same tax relief on their pensions as they get charges at.
Shhhh they need to make it sound like its a benefit to high rate tax payers, don't go introducing any logic to it
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I'm seeing so many below RV I hardly even notice. Don't get me wrong still plenty or deluded sellers at RV+30% especially in the middle and upper ends of the market.
I can see how some of the upper ends are reluctant to come down as to them they will be thinking they are marketing their house lower than some (overpriced) middle market houses, it would be a hard one for an agent to sell to them especially if they have overpriced houses on their own books. If I could have the sort of house I want at around RV without work, I would take it today.
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It it is a building with no floors as described, it is no more than house that needs to be knocked and some day rebuilt.
Some day. It is however now providing a tax break to people depriving the region of housing.
I would also like to point them to a slightly eccentric old guy I know that lives in a house with no running water, electricity or a toilet and has a dirt floor. He would have a very strong opinion on what is classed as habitable
The Rates are for the public services and utilities that you use.
If only they were! It would be easy enough to charge for it seeing as they don't make any effort to provide reductions for conditions that alter consumption of services and utilities such as occupancy levels, periods of lying empty etc.
This tax break will result in a lot of houses being made derelict regardless of what Sammy thinks, if they were thinking of rebuilding at some point as most would then they are just going to be doing some of the clearing out work early. The damaging of properties already happens to get planners on board where otherwise they may be forced to rebuild when that's not in the builders financial interest, this will be the same to a less drastic extent.
How Many Would Buy At Rv?
in Northern Ireland
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Nonsense. If I want to live in a hovel or something unsuitable sure I could find something at 2005 price or less, there has not been a single house in this town or the nearest two advertised within 10% of RV that meets my requirements. Hell, most new instructions are still coming on at 30% above RV. Not saying they wont go that way eventually but you're smoking some HPC weed if you think that is where the entire market is just now.