Search results for:

Id be looking at e11 rather than e17 if I were you crispin..

Also known as a mega flow I think

If he's doing dodgy cash jobs its best you keep it to pm for both his sake and that of the builder

Mine is being built as I type. I should get change out of 35 grand.

I used davey stone when I sold in bow 3 years ago. Got them down to one percent plus vat. They were nothing short of superb.

My new toy.

Hey oat44 I don't spose you have any of those slabs left? I need about 10 or so for a shed base !

Very helpful

[ :-) ]

has anyone had a proper walk in shower installed of late ? im not talking about a shower cubicle sort of thing, more so a proper low tray walk in double shower..

its got to go on the otherside of the bathroom to the soil stack etc so everything will have to be run over to the otherside of the bathroom (there are floor board in the bathroom so that should be straightforward to do). the entire area will need to be tiled (probably 5 sq m or so) and I'll probably need a sanishower pump or similar because I doubt the fall will be sufficient to run the grey water out.

I'm going to get the plumber doing my loft conversion in a few weeks to quote, but just so I am being realistic - is about 800-1k quid for the shower and parts realistic plus about 1.5k for install and tiling?

ive heard some very bad things about purple bricks from people at work who have used them.

when you are dealing with the sort of figures that the London property market commands, as a seller, its a bit of a false economy to go cheap, imo

I've found a superb builder who does loft extensions in north and East London. I've viewed the guys work and it's class. Very reasonably priced too.

I'd kill myself if I had to pay that to get to work.

yours wont be backed by professional indemnity insurance unfortunately, which is what you are paying for.

£800-£1k about right for an opinion drafted by counsel, £5k about right for an injunction I'm afraid. expensive business. have you checked your household insurance to see if you have any legal cover there which might help?

She'll give you twenty mins on the phone for nothing I would expect, thereafter you'll have to agree either a fixed fee with her or it'll be an hourly rate. She's cheaper than others but not cheap. Good lawyers aren't cheap.

http://www.hartbrown.co.uk/our-people/#person12

Emily Fitzpatrick. I used to work with her and she is fvcking ruthless, and v good (we aren't friends I just have a great deal of respect for her). If she can't help you she will know who best can.

Sparky, first question is will your lender allow your wife to be a party to the mortgage? If not, forget about adding her to the title. If she's not party to the mortgage you can't do it,

You'll need to get a solicitor to draw up a deed transferring equity if it can be done.

Look here to see if sdlt is payable. It almost certainly is.

https://www.gov.uk/guidance/sdlt-transferring-ownership-of-land-or-property

If tenders is financially sophisticated to the extent he can pay off what is presumably a good few grand in a few months then quite frankly he should be giving advice , not asking how to port his mortgage or work out his equity.

or that they were silly and spent nigh on 800k on a house that realistically was only ever worth 500 give or take when the props are taken away?

highly unlikely , because I'm not a mug. I do wish you the best with it though.

whatever m8

haven't u got to buy someones 15 grand mortgage off them on their 2 up 2 down in hull?

there may not be a compulsion to refinance at the end of a fixed rate period, but you would have to be mentally retarded to go from a 1.59pc deal to a 3.99pc SVR and want to do nothing about it.

the problem Donald Loin is going to have, is he is spending 800k on a house which may well be worth 100k less than that in 3 years time. He will get stiffed on his valuation and he will get stiffed on the deal he can get which is critical when you are talking about a mortgage balance which I presume will be at or around the 500k mark.

we aren't talking about shitty 50k houses in leeds or wherever which is probably what you deal with - this is big boys stuff.

still whatever, its your life, and his.

that's a fair comment. the answer is that if you already own a house why expose yourself to possible pain in the short term when the financial climate is so uncertain, particularly for such marginal returns on your money if the house is only slightly longer/wider.

there are no white swans left, so proceed with caution (and I say this as someone with a mortgage)

it is entirely relevant. it is highly unlikely that the bank would wish to revalue their security midway through say a 2 year fix (although I would imagine if I read your mortgage terms and conditions there is probably a clause in there which would allow them to do so). However he will get stiffed by a bloke with a clipboard at the end of his 2 year deal and a valuation in a bubble will not stack up against a valuation undertaken in a more stable and sensible market. I suspect the only reason he can even consider spending that sort of money on a house is because rates are low - but how long will that continue for? no one know? could he service a 500 grand mortgage at 4pc? 5pc? good luck with that.

my last point is not confused at all. you say - don't worry about loan to values or anything like that, just get a deal which means you can roll over onto a good rate if things do go pear shaped. I say, don't be a d1ck and overspend on the property in the first place. its pretty simple stuff. if he wants to waste nearly 800 large on a terraced house which was 300k less than he is proposing to spend only 3.5-4 years ago, then that's his funeral (and yours as well if that's what you've done as well).

you sound like someone who has overpaid for property in the recent past? do you really think that this situation is sustainable?

you are wrong - margin calls can and do happen both at the end of the deal and sometimes, mid-deal.

http://www.housepricecrash.co.uk/forum/index.php?/topic/76232-margin-calls-on-buy-to-let-properties/&page=8

and read this case too:

http://www.bailii.org/ew/cases/EWCA/Civ/2016/491.html

the whole affair can be sensibly afforded by not being a dick and overpaying for the property in the first place - but you employ whatever technique you feel suits you best by all means.