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duncs

Member since Aug 2009 • Last active Aug 2019

Most recent activity

  • in Miscellaneous and Meaningless
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    Does anyone have any sofa recommendations? Nothing too fancy, but also no IKEA preferably? Does anyone have experience with made.com stuff, I don’t really trust them with such a big purchase. Like their designs though.

    Conran at M&S worked for me last time. Got a Conran Reynolds which I like (not in the colour below)
    Not fancy but not cheap either. RRP was £800

  • in Miscellaneous and Meaningless
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    A mate who uses it just uses tap water and it's fine

  • in Miscellaneous and Meaningless
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    Confused, isn't that exactly what I said. From 3.7% for 7.5k. Not market leading but decent. And not payday loan extortion at the other end.

  • in Miscellaneous and Meaningless
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    And repaying early without extra faff (or fees)

  • in Miscellaneous and Meaningless
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    It doesn't look the most competitive but doesn't look exploitative either.
    Certainly not payday lender type stuff.

    3.7% APR for £7.5k
    vs 2.9% as a headline on MSE

  • in Miscellaneous and Meaningless
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    First time buyers get extra relief though.
    They pay less than a non FTB who is moving.
    Rather than just not paying the extra 3% for the 2nd property.

  • in Miscellaneous and Meaningless
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    I would think it's the opposite. You'll probably lose the SDLT reduction if one person isn't a FTB.

    https://www.moneyadviceservice.org.uk/en­/articles/everything-you-need-to-know-ab­out-stamp-duty

    Joint ownership and Stamp Duty relief
    ...
    Unmarried people can still get a reduction in Stamp Duty, if the only person named on the mortgage deed is a first-time buyer.
    ...
    you need to think about what would happen if you split up. If the property is in both names, you will both have a claim. If the property is only in one name, then it’s possible you or your partner could be left with nothing legally.

  • in Miscellaneous and Meaningless
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    Is there a simple answer to 'what to get a parent whose Win7 desktop will shortly reach end of life, as it can't be upgraded to Win10'? Win7 support finally ends in Jan.

    Can't be upgraded to Win10? Minimum specs for W10 are the same as W7.
    ~£35 on a 256GB SSD and give it a go?

    But yeah, there are plenty of cheap fast Dell and IBMs knocking about on ebay and refurb sites

  • in Miscellaneous and Meaningless
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    Ta, glad to see people aren't shuddering at the decor ;)

    Ikea was extremely handy until it turned out they didn't stock the drawer/door fronts at Greenwich and I had to schlep over to Croydon to pick up the couple that I'd missed when I did my initial order.

    The reason it's 'only' half a million is it's on a busy road. Move it a quarter of a mile away and you could add another 2/3/400k to the price. A shame, because it ticks all the other boxes. But I guess that's always the way - planning on moving from the nicest house on a noisy street to something that needs a little work on a quieter street.

    @Howard £10 will eat into the forum donation too much. Call it $10 after Brexit and we may have a deal.
    @Pifko front wall will be painted. For some reason I painted the inward facing walls first, despite the outside being more useful for the photos...

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    And so it begins. Probably picked the worst time to sell, 10 weeks out from BrexitFest '19 but so be it
    https://www.rightmove.co.uk/property-for­-sale/property-83950187.html

    Almost tempted to stay now that I've tidied the place for the photos...

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