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About Filbo

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    HPC Poster
  1. I've been self employed (as a sole trader) for four years, but I don't have any accounts - well nothing that a building society would accept, anyway. When I was considering buying (as a ftb) I was advised that the only alternative to a self cert for me would be a Halifax 'fast track', where they rarely ask for proof of earnings, so it's just a self cert with a different name. I've since been told that some building societies will accept a letter from the inland revenue, as proof of earnings - is this true? But even in that case, a self cert will be the only option for people who have inve
  2. To some extent. I think parking should be something that is taken into account when planning permission is sought, and if the parking provision isn't adequate, planning permission shouldn't be granted. But I don't think you can set rules in stone, because there will always be exceptions. For example a block of student flats on the edge of town, but next to the university, has less need for parking than a similar block aimed at young couples.
  3. BBB buys it, the poor (in more ways than one) person rents from him.
  4. WHAT YOU SAID is that ALL flats should be provided with one parking space. Surely you can see from the examples that I've given that this is unneccessary in some areas? As I said previously, I think where necessary planning permission should only be granted if sufficient parking space is provided. But your idea that every new flat that's built should have a parking space is way over the top. The figures I gave were for relatively large areas, so it's skewed by large middle class areas where nearly every household has a car. There are some places within those regions where car ownership i
  5. OK, here's another example. The block where I live has areound 260 flats. It has aroud 40 parking spaces. But around 75% of those parking spaces are in use. That's because the majority of the people who live here don't have a car. If your one parking space per flat rule was around when this place was built, it would have required a lot more (expensive) land, or an expensive underground car park - but it would have been a complete waste of money for flats where car ownership is so low. For as long as there's free on street parking nearby. Are you based in London? I suspect you are because
  6. Flats are currently being built here: http://www.streetmap.co.uk/newmap.srf?x=45...p=newsearch.srf
  7. You would in some places. We're constantly being told that locals are being priced out of rural areas. Flats do get built in some of these areas - but your idea would make prices more expenses for the people they're designed for! I don't know. But they're very much designed with students in mind, right next to the university, and they're probably too small for people looking for a permanent home. So do you think the developer should be forced to provide a parking space for each flat, that will end up not being used in the majority of cases? But in rural areas, and many suburban areas,
  8. So are you saying, for example, that if a developer built a small block of 3-4 flats on the edge of a village, where there was planty of street parking, they should be forced to provide at least one off street parking space for every flat? There's no way that wouldn't add to the cost. Near me there are loads of new developments of flats, mostly small one and two bedroom student flats, close to the university. Only a minority of students have cars, so why should the developer of their flats be forced to provide them with a parking space each? Each area has its own characteristics, and should
  9. I did read your previous post, but you seem to be under the illusion that parking is a problem everywhere, and ther will always be demand for off road parking spaces. That is not the case, and by forcing developers to provide extra parking spaces (which may not be saleable), you're adding an extra cost to the building, which will affect those people buying the cheaper properties much more than those higher up. I thought you wanted property to be more affordable? As I said before, the parking that's provided should suit the area and the people who will live there, rather than saying every home
  10. Why should they be forced to pay for something they don't need?
  11. What about those people who don't have a car and don't need a parking space? In areas where ther is good public transport, such as parts of London (I know a lot of Londoners moan about public transport, but if they think it's bad they should have a look at the rest of the country!), many people choose not to have a car, because it doesn't make sense to have one, and it works out much cheaper to rent a car (or get a taxi) for occasional journeys than it does to own a car. By forcing developers to provide parking for people who don't need it you'd be increasing prices unneccessarily. The pa
  12. Assuming you're replying to my comment on living in a housing association flat, maybe you should find out some facts before criticising me. I've been living here for nearly nine years, and it's only in the last few months I've been in a position to leave, so I'm hardly a '******* using the system'. Do you really think I'd live in a tiny 13th floor flat any longer than I have to? By the way, the caps lock key is on the left of your keyboard.
  13. I reckon this one by Carter USM was written about a regulare poster on here. Sheriff Fatman started out in business as a granny farmer he was infamous for fifteen minutes and he appeared in Panorama Then he somehow got himself on board The Starship Enterprise Allowance Scheme With a Prince of Wales award for pushing valium and amphetamines Now he's moving up onto second base behind Nicholas Van Wotsisface At six foot six and a hundred tons the undisputed king of the slums With more alias' than Klaus Barbie the master butcher of Leigh-on-Sea Just about to take the stage the one
  14. I'm basing my figures on being able to get a 5-10% discount on current asking prices anyway, I'm waiting for a further 15% on top of that. And I'm also waiting for the right property to come along, I don't want to buy now unless I can find somewhere I'm prepared to spend the next 10+ years. I found somewhere I wanted a couple of months ago, and made an offer 10% below the asking price (before I found this site and realised prices are likel to fall by more than that), but it seems he regarded the asking price as the minumum he was prepared to accept (although to be fair to him his asking pric
  15. No, most people will wait until they think prices have stopped falling, and have started climbing again. I'm unusual as a potential ftb in that I can afford to buy now - I've been offered a mortgage that will allow me to spend twice as much as I feel comfortable spending on a property, so I'm waiting for the crash out of choice, rather than necessity, and I don't mind buying when prices are still falling. For me it's all a question of timing, and how quickly prices fall. I expect it to take 12-18 months for prices to fall to a level where I'm comfortable buying. But if prices fall quicker t
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