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panholio

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About panholio

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  1. M60/ M62 is madness. Managed motorways everywhere. I work in Civil Engineering and the Transport sector is booming (sadly I'm in Water).
  2. Surely it has 9 1/2 years NHBC warranty if it is 6 months old?
  3. I'm monitoring north Leeds. It felt mental earlier in the year but seems to have tailed off significantly now. Houses sub £300k still seem to be selling (although that has slowed down a lot). Anything £350-400 and above seem to sit on for ages. Lots of sellers refusing to accept lower offers in the second bracket. My predictions: I think it will stagnate now for the next 12 months. An interest rate rise may stimulate some wobbly sentiment but I don't think any dramatic rises to mortgage rates will occur. Mortgage approvals may swing back slightly in spring, Family puts the pressure on me
  4. Just thought I'd update this thread with their latest mail shot. It really is a classic: Should I make an offer? As a buyer you are in a powerful position, both in terms of the effect your buying decision will have on your own life, and on that of the person from whom you buy. If buying a property was some form of commodity like petrol or milk, then you would simply buy the cheapest stock available. However, buying a home is much less mercenary, and emotions run high. Over the years, homebuyers have become used to the idea of making a "starting offer" below the asking price, but it might
  5. I am registered as a potential buyer with a number of local agents. I have no property to sell. Just received this from one of them: "Many estate agents will flatter you and promote themselves by claiming that they?ll get you the ?highest price in the shortest possible time?. This is easy to say, but not so easy for most agents to justify or indeed deliver! Effective property sales involve a combination of great presentation, attractive pricing and effective marketing along with a host of other techniques that facilitate a successful sale. As innovative estate agents with our finger firmly
  6. A lot of these type of statement on this site and I agree in principle. But how do you balance that with a family and a wife who has "fallen in love" with the house? I'm finding that balance difficult at the moment. Apologies OP this doesn't help your situation.
  7. Spotted a house today I liked the look of. Semi in Bardsey, needed a lot of work and on for £210k. Rang to see if I could arrange a viewing, the property came on the market last week. Agent says they have 5 offers in excess of £210k and the property is going to BAFO at midday Wednesday. I said OK thanks but no thanks and she then persisted to see if I could make an appointment. She just offered me apppointments during working hours and I said the only way I could afford a £200k plus house was because I had a job, so I would be at work! She seemed amused at this and said I could have a look
  8. This thread hasn't been updated for a while. I've had my eye on the north Leeds (as far as Wetherby) for some time now. Looking for a place to raise my family. Seems to be very little of any interest on the market. Well at a price I'm willing to pay anyway.
  9. No one in the UK should be entitled to call themselves an Engineer unless they are chartered with the UK Engineering Council. A degree does not make an Engineer. Your father could have become chartered through what is described as the "experience route". What industry was he in?
  10. I sent them a letter last November that started with this: Dear Sirs, I am writing in reference to the two letters you sent to me on the 3rd of November 2011. I have attached copies with this letter. Firstly let me congratulate you on having the most tedious automated telephone service I have ever come across in my life. I understand the need to try and minimise calls that come through to your call centre so that you can keep costs low, but you have created something simply out of this world in its ability to infuriate. I gave up after 15 minutes and decided to communicate with you the
  11. How will something like Zopa fit into this increasing cost? From what I understand this is separate from conventional banking in terms of how it sets lending rates (based on creditor rates). Are personal loans really at 18%? It may have been a while but I'm sure I still get the "you have been preapproved" nonsense though the door from my bank at 6-8%.
  12. Thanks for the replies and thoughts. I've got a lot of thinking to do. My initial estimate of a 5k loss is probably a bit of an optimistic one. It'll be worse than that. I'm leaning towards keeping the house. It's in a place I want to be, near where I work (although that's not a deal breaker for me) and it is a great house. I don't need to take in a lodger. I guess the option gives me some more financial flexibility in the future.
  13. Morning, 3 1/2 years ago I bought a house with my girlfriend. At roughly the same time I joined this site but was too far gone with the process to pull out of the purchase and went ahead. The proposal seemed sensible enough I guess (not in hindsight but hey), 3 times joint salary and we had stable jobs... but we went for a 95% mortgage. We paid £177k for a three bedroom stone end terrace in a nice suburb of Leeds. It's a great house and has had the cellar and roof space converted so there really is plenty of space. The only compromise was the lack of off street parking but we both have co
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