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andyfallsoff

Member since Nov 2007 • Last active Sep 2020

Most recent activity

  • in Wanted Adverts
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    I'll PM you

  • in Wanted Adverts
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    I've got one, never use it - do you need posted or London pickup?

  • in Bikes & Bits
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    I'd hold on for the ones you want - do you really want to end up with pedals you don't like as much just because of stock issues?

    If you're worried the voucher will expire, could you buy one of the others and keep under the bed unused until the faveros come back in stock, then return them? Don't CRC do 12m returns?

  • in Rides & Races
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    These are killing me as my (booked before Covid) trip to the dolomites was cancelled - supposed to be 8 of us and felt too risky re. quarantine / staying together... Looks great, enjoy!

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    Thanks all - loads of useful info here

  • in Cycle Touring and Bikepacking
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    Anyone have any recent train experiences with bikes? Am looking at a Wales trip in late sept and wondering how easy it will be to get to Chester and Bristol to start and return with a bike...

  • in Miscellaneous and Meaningless
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    The lenders certainly think they might, from looking at the retraction of high LTV deals from the market.

    Not saying it will happen, but the idea that it will be as easy to get a 1% rate when you refi a 2yr fix if things have gone to shit might not be a safe assumption - so you could take a view that a 5yr fix is better.

    Plus if you think you might lose your job, wouldn't you rather not also have to worry about remortgaging at or around the same time? Standard variable rates that I've seen are worse than 2% and more like 4%; that's enough for it to hurt.

  • in Miscellaneous and Meaningless
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    The one where property values go down so risk profiles on mortgages change, more than the one where BoE base rates go up (although that is a possibility if we get rampant inflation e.g. post brexit as goods become more expensive).

    Even if rates don't go down, if you're not at a really low LTV and values crash, you could find yourself at a worse LTV when you next remortgage so the best rates aren't available.

  • in Components, clothing and miscellany
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    Great price on those 650b wheels - would take second dibs on them in case nikulkan pulls out...

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