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House Price Crash Forum

PeanutButter

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Everything posted by PeanutButter

  1. Record number of domestic abuse victims made homeless https://www.theguardian.com/society/2021/oct/30/record-number-of-domestic-abuse-victims-made-homeless Domestic abuse caused nearly one in six new homelessness cases in England between April and June, with numbers rising even as the overall increase in homelessness slowed, according to government figures. Data out last week from the Department for Levelling Up, Housing and Communities shows that of 34,830 households newly assessed in early 2021 as homeless 5,590 were in that position because of domestic abuse. The number of cases attributable to domestic violence was the highest since records began in 2018 – and a third higher than in the same period in 2019.
  2. The people we are missing have spent years learning these skills. They’re professionals and there is absolutely no cash in hand type work for them.
  3. Borders, you say? https://www.theguardian.com/uk-news/2021/oct/29/two-bridges-swept-away-flooding-scottish-borders
  4. I'm open to rebranding but prefer to avoid scum and scum adjacent terminology...
  5. I'm not that interested in people's debt tbh. It's not called Debt Forum I joined here when I had no property and now I'm a landlord, so just wondered if other people were the same or if we were still attracting fresh disillusioned FTBs. I'm interested in the demographics.
  6. Wondering how many on here are already in the market.
  7. You can check my posts in this thread I started it to monitor the market for the same inputs over months.
  8. Just ran my numbers again. Cheapest is Lloyds 1.07% 1.5k fee, followed by First Direct 1.09 £490 fees.
  9. Mortgages are ALREADY getting more expensive: NatWest, HSBC and Barclays ALL put up rates just hours after Budget as homeowners are warned they face biggest interest payments hike since the financial crisis Analysis suggests homeowners should prepare for biggest rise in interest payments since financial crisis OBR says rising inflation may prompt Bank of England to hike interest rates from 0.1% to 0.75% by end of 2023 Forecasters say this would have a massive knock on effect on amount of interest mortgage payers have to pay Expert tells homeowners to cut back on unnecessary spending and make overpayments while rates are low https://www.dailymail.co.uk/news/article-10139853/British-homeowners-face-soaring-mortgage-payments.html
  10. Yes IR35 is a big issue for us. And I think you're right about going for perm roles. It's significant and I expect it will impact our profitability.
  11. UK shoppers rack up £4.1bn debt in ‘buy now, pay later’ deals Rapid growth of sector raises alarm about consumers becoming trapped in ‘opaque debt bubble’
  12. Seems as if the problem isn't that you can't afford to buy in London, it's that you can't afford to buy what you want while having 2 children in private education and not spending more than 2k pm on housing costs. You can: Continue to rent Buy outside of London Buy in London with compromises Bearing in mind that adding to commuting distance deducts parenting time from the children. There are very few people I know who don't compromise one way or another. Even some of the multimillion pound houses in prime London have cars parked outside on the street, because they don't have driveways or garages. So these guys are stepping out the house (when they're in London) and thinking, damn, I wish I had a garage for my Bentley.
  13. You know you can ask the bursar if you can pay lump sum in advance to lock in current price?
  14. 🤨 Are you absolutely sure you're a wealthy landed gentry? Some of your comments recently have struck me as 'breaking character' and borderline trolling.
  15. Step it up! 5% for second home, 8% for third or more. Come on Sunak, no one likes landlords.
  16. Without going into details I was on a 2022 forecast call this week and the issue of project labour came up. We have outstanding contracts for projects that are still being negotiated but globally there’s such a shortage of specialist contractors for the work that if we don’t retain them now for dates next year there’s a chance the contracts will get signed and then we won’t have the labour available. But where have all the workers gone?? This issue is acute in UK, and EU, Aus, NZ. Not so bad Latam, Asia. How have thousands of freelancers simply evaporated? They can’t have retired, the age range skews younger. Is it furlough still?
  17. Drumroll.... we are £620 a week worse off next year https://www.theguardian.com/uk-news/2021/oct/27/budget-calculator-2021-what-does-it-mean-for-me
  18. They started telling us BJ would be PM back in 2003. It’s just a matter of time.
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