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Went to have a nose around @Sparky and Mrs Sparky's very lovely flat this evening (Hi guys!), which gave me the opportunity to try the route from the City to Downham.
Very impressed with Q1! Great stuff... doesn't quite stretch far enough though. Need to find a way to avoid Lewisham High Road if I'm going to move SE...
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Completely oblivious
Too much of this generally.
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Dozy lady wandering up the northbound seg lane at E&C this morning with her back to the flow of cyclists.
Called out 2 or 3 times as I approached behind her. "Excuse me! Excuse me! Hello!"
I was definitely not being quiet... everyone in the vicinity apart from her turned to look, and another pedestrian had to walk over and tap her on the shoulder so she moved out of the way.
I don't understand how people can be so unaware of their surroundings...
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(assuming you are going from London not Leith)
If you are going from Leith... good luck.
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Seconded.
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A trio of school-aged kids on their BMX/Halford's mountain bikes mixing it with the City commuters on Southwark Bridge Road the other night - wheelies and everything.
Irritating the fuck out of the drivers trying to overtake with some remarkably assertive use of primary position.
10/10 I believe children are the future.
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First viewing ever was fun. Loved the area (first thing I saw on exiting the station was a craft beer shop...good start) - but I suspect I've been priced out if all I can afford is a flat-roofed one-bed on a noisy bit of the South Circular above a tile shop. Sunderland Road my foot - it's on the South Circular.
With my budget it's definitely looking more likely I'll be neighbours with @amey than with @Matt and @Dammit.
Edit: @*Matt*, did you put asterisks in your name specifically to screw with the formatting?
Edit edit: Jackpot! Found the escape character.
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19, F, cali
Probably shouldn't cyber on the home ownership thread...
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Yeah! Stop grooming perfectly innocent young forum members who've never done anything untoward in their lives!
cough
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Sorry, was channeling my inner-@greenhell
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to hot Eastern European chicks......
That basement flat was also a 2-bed ...
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https://www.moneyadviceservice.org.uk/en/articles/rent-a-room-scheme-how-it-works-and-tax-rules
This could very well persuade Bank of M&D of the merits of stretching to @Sparky's flat... need to find a mortgage that allows it though.
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Would deffo consider an extra £5k on the purchase price for coffee and biscuits.
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Got Agreement in Principle for £240k. (£40k deposit).
Don't think my income (single income, remember) stretches much beyond that. At a push could try to persuade Bank of Mum and Dad of the merits of investing in a 2-bed...
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So I gather. 250k is stretching my range anyway - I don't suppose it'll matter.
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Oooooh yeah. Silly me. That helps!
Still can't get anywhere near 270 though.
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I like where you're going with that...
From my point of view though, £250,001+ is a new stamp duty bracket. Jumps from 2% to 5%.
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That actually could be beneficial, couldn't it? Even if you're not willing to drop to my budget it'd be good to see what a £270k-er looks like. PM'ing you now.
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Easy to say the wrong number, innit? I added an extra £1k to my salary on the phone earlier because it's £x,950 and I usually round it up to £(x+1)k in my head. Ended up saying £(x+1),950 by accident. Didn't catch it until she was reading everything back at the end...
Luckily it didn't affect the outcome... agreement in principle obtained!
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Alternatively you can take the view that overpaying is effectively the same as having a shorter mortgage term. With that proviso, you could take the mortgage out with the longest term you can get and then choose to overpay to bring the term down to what you actually would rather have.
Just to dredge up one more old post before I go to bed.
I had a call with my bank today and they wanted to to the affordability calcs using a 40 year term (I'm 26). I balked at the idea of the extra interest and insisted on a 25-year term for the purposes of her spreadsheet, but in theory (if there are no overpayment fees and I'm disciplined about overpaying) are there any downsides to maxing out the term length as a safety net?
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Both @Dammit & I live here - great neighbors!
Yay - internet friends in the area is one step up from no friends in the area!
Mustn't get carried away though - this is the first flat I'm looking at. It's been suggested that I oughtn't just jump on the first one that comes along without thinking it through properly. Plenty of time!
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On second thoughts maybe it's worth a look...
LFGSS
London Fixed Gear and Single-Speed is a community of fixed gear and single-speed cyclists.
Approx 30 mins later than usual today. What a difference it makes! The general sense of stress and anger goes through the roof.