The grumpy thread

[garbaldy]

I have never posted a grump in this thread ever but today I log in with a pic to post and I can't do it yet again 😞

 

My first ever grump and it's a shit one.

[purplebargeken]

I still have a cold and it is making me grumpy. I hate colds!

[captain_70s]

Ordered a birthday present for my sister a while back, she wanted something obscure from the States, grand.

 

So it finally shows up, or it doesn't because I got a Customs charge so Royal Mail won't deliver it until I pay up. Actually of the £12 charge £8 is a handling fee from Royal Mail themselves. This is irritating enough but as I'm out everyday from 7-5 because I have this thing called a "job" and will probably miss the delivery if I pay online or whatever I figure I'll go down to the parcel collection place myself and pay for/collect it. I arrive at the place at 3:30pm, it's closed, I look at the opening times.

 

Mon to Fri - 7:30am - 1:00pm

Sat - 8:30am - 12:30pm

 

What the fuck use is that to anybody who isn't pensioned or unemployed?

[daveb47]

I have never posted a grump in this thread ever but today I log in with a pic to post and I can't do it yet again

 

My first ever grump and it's a shit one.

Cant see why not,all is working fine......?

[garbaldy]

Cant see why not,all is working fine......?

It's back to the same way as before the upgrade,

Swapping from Mobile to full site and back again is a right faf,

It's also splitting words at the end of sentences again although that's only Mildly miffing

[loserone]

I'd be all over this in Dewsbury for £40,000.

 

I'm totally with you on this, and with patience to find the right property you can buy something in this budget.  The downside is usually that any mortgage you can get on the property won't allow you enough cash to improve it.  

 

We found the mortgage being so much less than what we were paying in rent meant we could spare a bit each month to do it up - in our case, rewire and fit some heating so we could move in, then move the kitchen, and start decorating (by which I don't mean £50 of paint, I mean having something on the bare concrete floors and making good the plaster, which still isn't done.)

 

Living in pretty much the cheapest place for housing in the country certainly helps, and I don't mind a 40 minute each-way drive through pit villages and the best kept secret open countryside to get to work in the slightest.

 

Sorry, this was meant to be a grump wasn't it?  

[daveb47]

It's back to the same way as before the upgrade,

Swapping from Mobile to full site and back again is a right faf,

It's also splitting words at the end of sentences again although that's only Mildly miffing

Thats because it is before the upgrade,we  are back on older version of Ipb again with its splitting words problem that they cant or cant be arsed to fix.and mobile version is back to crap.

Nothing i can do unfortunately.

[cobblers]

Where do you live? I'm out the door as we speak.

http://www.rightmove.co.uk/property-for-sale/property-54731572.html

 

 

I lied, it's only 50k. But there's only two bedrooms in this, soz!

In the next year or so all the houses on the estate are getting £20-30k each of lottery money spent on them - New hardwood sash triple glazed windows, all stonework restored, roof refurbished and new cast iron guttering etc etc. It's one of the first model villages built and since it's of historical importance, they're chucking a tonne of money at it to renovate the place

 

The area isn't too bad, most people are quite pleasant. There's maybe 10 houses of real scrotes in the 250 or so total. That said it's probably the place Vulgalour was talking about when he was moaning about victorian terraces cos he used to live over the way.

 

If we had off road parking and a bigger garden we'd probably stay here for years.

[garbaldy]

Thats because it is before the upgrade,we are back on older version of Ipb again with its splitting words problem that they cant or cant be arsed to fix.and mobile version is back to crap.

Nothing i can do unfortunately.

In That case I would like to withdraw my previous grump.

I quite liked the new one as made life easier on the mobile,

[Sheefag]

I'm totally with you on this, and with patience to find the right property you can buy something in this budget.  The downside is usually that any mortgage you can get on the property won't allow you enough cash to improve it.  

 

We found the mortgage being so much less than what we were paying in rent meant we could spare a bit each month to do it up - in our case, rewire and fit some heating so we could move in, then move the kitchen, and start decorating (by which I don't mean £50 of paint, I mean having something on the bare concrete floors and making good the plaster, which still isn't done.)

 

Living in pretty much the cheapest place for housing in the country certainly helps, and I don't mind a 40 minute each-way drive through pit villages and the best kept secret open countryside to get to work in the slightest.

 

Sorry, this was meant to be a grump wasn't it?  

 

I remember when my Wife and I were starting out, the fun was in making do and mend and picking up odd bits from car boots and out of skips.

 

I'd always go for a house rather than a flat if I could No nasty leases, management companies or restrictive covenants and go for 2 bed or above - you can always let a room to help with the finances.

[cort1977]

UK property prices have gone crazy in the last few years and I can't see how anyone in the southeast can afford a reasonable house without help from parents etc.   House prices have increased far faster than wages making even the bottom of the market unattainable for most.

 

As an example, my father was a primary school head for my entire childhood, we weren't rich but never had any money issues, lived in a 3 bed semi in London (Chingford).   That house is now worth 500000 and I can't see how whoever is running my Dad's old school could afford to live there never mind those with less well paid jobs.  

 

People are being divided in to those 'on the ladder' and those left behind and there is justified anger about this.   I know a lot of people won't agree with me but I think selling off the council housing stock was a big mistake fuelling the rise in prices.

[richardmorris]

While I don't deny that getting on the housing ladder isn't easy, it also isn't the impossible Herculean mountain climb that many folk make out.

The problem, as it often is, is the misplaced sense of entitlement displayed by many of the younger generation, "I can't afford a house because they're all 10 million pounds and you need an 8 million deposit" the problem actually is that they can't afford a house which they think they are worthy of, Ie one like they currently live in with their parents, therefore everything is OMGSOUNFAIR and us 'oldies' (anyone over 35) just don't understand the struggle because we all got our houses for 2 grand when times were easier...blah blah blah.

£150k house, 10% deposit, , call it £20k all in by the time you've covered legal fees and moving in, if there is two of you its £10k each. Not an impossible ask.

 

 

It is round here. 1 bed starter homes are £300k. That's a 10x average income mortgage.

[richardmorris]

http://www.rightmove.co.uk/property-for-sale/property-54731572.html

 

 

I lied, it's only 50k. But there's only two bedrooms in this, soz!

In the next year or so all the houses on the estate are getting £20-30k each of lottery money spent on them - New hardwood sash triple glazed windows, all stonework restored, roof refurbished and new cast iron guttering etc etc. It's one of the first model villages built and since it's of historical importance, they're chucking a tonne of money at it to renovate the place

 

The area isn't too bad, most people are quite pleasant. There's maybe 10 houses of real scrotes in the 250 or so total. That said it's probably the place Vulgalour was talking about when he was moaning about victorian terraces cos he used to live over the way.

 

If we had off road parking and a bigger garden we'd probably stay here for years.

 

Will they take cash?! If not my works credit card has a similar limit!

[Sheefag]

Whereabouts are you Richard?

[mrbenn]

http://www.rightmove.co.uk/property-for-sale/property-54731572.html

 

 

I lied, it's only 50k. But there's only two bedrooms in this, soz!

In the next year or so all the houses on the estate are getting £20-30k each of lottery money spent on them - New hardwood sash triple glazed windows, all stonework restored, roof refurbished and new cast iron guttering etc etc. It's one of the first model villages built and since it's of historical importance, they're chucking a tonne of money at it to renovate the place

 

The area isn't too bad, most people are quite pleasant. There's maybe 10 houses of real scrotes in the 250 or so total. That said it's probably the place Vulgalour was talking about when he was moaning about victorian terraces cos he used to live over the way.

 K

If we had off road parking and a bigger garden we'd probably stay here for years.

'Kinell. I'd live in that very happily indeed! Same house here would be well over 200k....

[Timewaster]

The property problem pisses me off

 

Anyway I told the mortgage people what I wanted and that I had a £35k deposit (all my own savings). The house was about £190k which is sod all in the south east, especially now. They all basically said fuck off! No chance.

 

Was it just one mortgage advisor?

 

Like any profession there are good and bad ones and it sounds like you found a bad one.

 

The loans and rates available change on a daily basis.

 

Find a decent INDEPENDENT mortgage broker and they can sort a loan for most situations. Some companies target specific types of customers such as those with lower loan to value or bye to let and if you aren't in their target group then they won't be interested.

[richardmorris]

Whereabouts are you Richard?

Surrey/ Berks borders

[purplebargeken]

Sad: my Daf owning friends rent a couple of buildings on a farm. That isn't the sad grump. Sadly Farmer George who has been on that farm for many, many years passed away on Sunday. He was a lovely old boy. He will be sadly missed. 

[cort16]

There's some really nice home converted large motorhomes on eBay if you bought some land and lived on it in the motorhome are you likely to get moved on by the council? I know the static caravan my Dad has limits to the no of months you can live in it but I'm not sure how this would apply if you're living in a bus on land you own. 

[danthecapriman]

Was it just one mortgage advisor?

Like any profession there are good and bad ones and it sounds like you found a bad one.

The loans and rates available change on a daily basis.

Find a decent INDEPENDENT mortgage broker and they can sort a loan for most situations. Some companies target specific types of customers such as those with lower loan to value or bye to let and if you aren't in their target group then they won't be interested.

I tried a couple of banks, one of which being the bank I have my account with. None of the banks were all that helpfull, in general they weren't willing to lend me as much as independents. Don't know why? Risk maybe?

 

Then I tried an independent guy who seemed ok, at least as ok as these people can be. But I think he was just stringing me along tbh. He was always very vague and didn't contact me when he said he would etc etc. he also wouldn't stick rigidly to figures, I'd show him a property for example and he just say yeah that should be do-able.

 

In the end I just got sick of it and put off so I gave up. Not really bothered looking since.

[Cavcraft]

Round here every sodding square inch of land has been/is being snapped up for 'luxury apartments' most of which seemed to be owned by landlords, then rented out. They can fuck paying £120,000/whatever a month to rent for some poxy, one bedroomed shitbollocks apartment by a stinking canal or squashed in with hundreds of others the same.

 

Anyhow, I used my £53 to have it serviced lawnmower for one small job, which it managed. Went to it again today and it's reluctant to rev enough to make is actually useable, so I wheeled my other one out with a missing belt guard, non-existant throttle cable which has to be kept running by jamming a bit of wood into it, and stopped by twatting it one with adjustable spanners instead. That one actually completed the job without any major agro, save having to cable tie and bunjee cord the grass collection box together.

Oh, and I very nearly got knocked off my cycle by some back-and-front in a Corsa, right in front of two special coppers who just grinned. I hope they enjoyed the string of expletives I directed at the Corsa driver. 

[richardmorris]

Well not like cavcraft but sympathise. Can we have this as a button option?

[Rusty_Rocket]

Find a good independent adviser, Dan- not a bank !

Re the property issues, I'm 37 and only now (6 months ago) am I happy in the house I'm slowly paying for.  It is very difficult but not impossible like some say.

I got my first mortgage 12 years ago.  It was very difficult indeed and in those days, the lender would ring your employer etc.  All I could afford was a tiny studio flat.  For those of you who aren't familiar, that's a tiny flat with no separate bedroom... however, it did/ does have a driveway!!

Much to the amusement of my pals, I stayed in that tiny little flat for 9 years.  That is a long time to exist in such a cramped place!  however, I also managed to save for another deposit...

When I met Mrs Rocket, we moved about ten miles away to a house.  Finally, an actual house!!!!  It was nice but not exactly what we wanted.  We saved up again, but this time, there was two of us so it took half the time to build up some money.  This allowed us to buy another, better place in a better area.

It's been very hard work.  We drive £200 cars.  We don't have Sky TV/ big tellys/ anything new at all really!!  But it's worth it.  I should mention we both earn minimum wage in shitty care industry jobs and take all the overtime and night shifts we can.

Honestly, if we can do it, anyone with a full time job and just a little bit of luck can get there in the end- but it will take years to get there in my experience.  It's a long game for sure.

[danthecapriman]

Find a good independent adviser, Dan- not a bank !

Re the property issues, I'm 37 and only now (6 months ago) am I happy in the house I'm slowly paying for.  It is very difficult but not impossible like some say.

I got my first mortgage 12 years ago.  It was very difficult indeed and in those days, the lender would ring your employer etc.  All I could afford was a tiny studio flat.  For those of you who aren't familiar, that's a tiny flat with no separate bedroom... however, it did/ does have a driveway!!

Much to the amusement of my pals, I stayed in that tiny little flat for 9 years.  That is a long time to exist in such a cramped place!  however, I also managed to save for another deposit...

When I met Mrs Rocket, we moved about ten miles away to a house.  Finally, an actual house!!!!  It was nice but not exactly what we wanted.  We saved up again, but this time, there was two of us so it took half the time to build up some money.  This allowed us to buy another, better place in a better area.

It's been very hard work.  We drive £200 cars.  We don't have Sky TV/ big tellys/ anything new at all really!!  But it's worth it.  I should mention we both earn minimum wage in shitty care industry jobs and take all the overtime and night shifts we can.

Honestly, if we can do it, anyone with a full time job and just a little bit of luck can get there in the end- but it will take years to get there in my experience.  It's a long game for sure.

I will look again, I really need to honestly, but I think at the moment I've got other issues I need/want to overcome first. Maybe if/when I do it'll make getting my own house easier and better.

 

In all fairness my deposit isn't bad and I could work with it and find something even now prices have risen again, I think I give up too easily sometimes! I can't complain too much either, I've spent a lot of money the last couple of years on my cars. It goes without saying that if I didn't do that I'd be well sorted now!

Besides that I don't think I want to live on my own either. Maybe if that ever changes I'll be much more keen to start over with it.

[Sheefag]

It's hard graft right enough and it isn't for everyone but I can't help but tip my hat to those with an eye for the opportunity and the strength of character and self sacrifice who manage it.

 

It's definitely worth it in the long run.

[Cavcraft]

I will just say some estate agent bird came to see the house two down from us, and I would most definitely have spent my deposit on her. 

[Rusty_Rocket]

Honestly, now is a great time to buy.  Yes, prices are high but interest rates are very low and look to stay that way .  Don't believe the media shite either, there will be loads of lenders willing to give you money, particularly as you have a deposit!

We met our mortgage adviser by chance really.  We viewed a place and the estate agents always ask 'so, do you have a mortgage in place?'  When you say no, they'll instantly do everything they can to book you an appointment with their adviser.  They want YOUR business, it's not the other way round!

Take an appointment, you have nothing to lose- and I guarantee it will go from there.  Good luck!

 

Edit, lol Cavcraft.. but, yeah, mine too !

[Sheefag]

Surrey/ Berks borders

 

I think we may be neighbours!

[richardmorris]

Last time I checked with a mortgage advisor I was offered a 6x salary mortgage with a 25% deposit. Still wasn't enough to buy anything here. Possibly would be now, as my salary has increased a fair bit in the last five years, but I'm happy where I am renting ( apart from prince Edward's noisy helicopter).

[r.welfare]

Six times? Holy cow.