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Everything posted by Twig Vase
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Couldn't agree more! Hardly anything is shifting though so perhaps even a "under offer" shows that there is interest in it. If I was selling I would think twice about it, it causes a lot of confusion from potential buyers and even delists the property from rightmove unless you tick the right sstc search box. T1
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At the university I work a lot of the academics "work from home" once or twice a week.
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Ha Ha Ha From reading this it sounds like they would defer stamp duty not axe it! The buyer would still have to pay. I cannot see this making the slightest difference to the market. http://news.bbc.co.uk/1/hi/uk_politics/7542393.stm
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This is a good source of info regarding debt from the CIA https://www.cia.gov/library/publications/th...r/2079rank.html
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Cost Of Borrowing Has Rocketed!
Twig Vase replied to no room at the inn's topic in House prices and the economy
Alliance and Leicester are offering 18.9% for £1500 They are encouraging people to borrow more than they need by whacking up the interest on smaller amounts. Why don't you get a credit card with 0% on purchases for 12 months?? -
I have a house, mortgage is just over 2 times joint salary. I want prices to crash but I am not convinced that they will crash. That is why I class myself as a "neither", but with bearish tendances
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The good thing about HIPS is that it is an upfront cost for the seller, at the moment the seller can kite fly at a high price and if they don't sell so what? HIPS will make the seller think more seriously before hand. I think HIPS will mean less houses on the market, I don't know whether prices will go up or down because of it.
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Current Home Owners - Would You Str?
Twig Vase replied to uncle_monty's topic in House prices and the economy
I wouldn't STR, we are settled where we are, there is the hassle and cost of selling to think about, plus the rental costs. Also I like the idea of "owning" my own home. House prices would have to drop by over half before we fall into negative equity. Bring on the crash I say because the rungs on the housing ladder will shorten, I do not think it will crash though, just stagnate. -
Hello Doomlord, I think your link has been hacked, because a lot of pretty ladies have flashed up when I click the link
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No CGT to pay if it is his home
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How Best To Deal With A Dishonest Ea
Twig Vase replied to mercenarul's topic in House prices and the economy
I am afraid there probably not a lot you can do about the EA, if he is trying to get a bit more out of you it is probably the vendor pushing him. Did you offer a lot less than asking? What you can do is just communicate through your solicitor. If your solicitor is any good they can normally tell if there is any BS. I wouldn't go straight to the vendor, if you p155 off the EA he/she could ruin everything for you. EAs can be complete B*****DS when they want to. Good Luck With Everything Thommo1 -
Actual Affodability Of The 'super-mortgages'
Twig Vase replied to Mart's topic in House prices and the economy
You could make her an offer less than she is asking for, she won't have any EA fees and she would have a quick sale. I don't think much to the interest only mortgage though, if you can't afford a repayment mortgage don't bother. As Europa has pointed out it depends on your future earning power, if you're going to have large pay increases it might be worth stretching yourself now. -
First Time Buyer Maths
Twig Vase replied to Converted Lurker's topic in House prices and the economy
Not sure but this mortgage calculator can help you with the sums of paying the mortgage at different interest rates http://www.jeacle.ie/mortgage/uk/ -
Good point, I think they were going to get redeemable vouchers from high street shops. Not everybody is that financially savvy, alot of people got stung by it, I felt sorry for the agents who collected the money from their family and friends, that must of been terrible for them. Goods news that Tescos and others are contributing to the fund for the customers.
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Interest rates could go down
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It depends on your deal, mine is a 5 year fixed at 4.99%, after then it moves to the SVR, there is no tie in after 5 years so i will just switch to a better deal straight away
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I Really Do Not Think It Is Going To Happen
Twig Vase replied to sam's topic in House prices and the economy
Hi Crashmonitor Where are you in the East Midlands? Where I am (Melton Mowbray Leics) Asking prices just seem to be going up, not many seem to be selling though, is that a crash? Not yet -
If it is under offer that normally means somebody has an offer on the table but the vendor still wants the house marketed,so you should be able to look at it, as apposed to sold subject to contract when the house is not marketed. thommo1
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That last sentence must be the saddest thing i've ever read on this forum, has it really got to this?
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Well done Chriso, sounds like your missus is a good influence on you