KITCHEN update thread....(29/01/2010) - Corsa Sport - for Vauxhall and Opel Corsa B, Corsa C and Corsa D

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Mad Moe

Member

Registered: 14th Jun 01
Location: Northumberland
User status: Offline

1st Aug 07 at 18:40

quote:
Originally posted by M2RTY
right....

spoke to an independant lender AND check this...

he sais NO ONE will give me a mortgage unless the house is livable, it needs a kitchen

I have never heard such utter bollocks, tell the idiot to find a new job because he is clearly shit at his

M2RTY

Member

Registered: 25th May 01
User status: Offline

1st Aug 07 at 19:02

this guy apparently has 11 houeses and owns the business

got to go back Monday to see him

think i will ring about

John

Member

Registered: 30th Jun 03
User status: Offline

1st Aug 07 at 21:20

at it has to have a kitchen or they won't give you a mortage

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Online

2nd Aug 07 at 09:27

There is some truth in what he says. Buying a property to live in is a lot different to buying one to renovate, particularly when you consider the value of the place half way through the job - ie. less than when you started if you rip stuff out.

Plus looking at the other thread this mortgage is in the 90s LTV which means it won't take much demolition to be in negative equity in terms of a repossession risk.

M2RTY

Member

Registered: 25th May 01
User status: Offline

2nd Aug 07 at 18:18

Ian,

went to HSBC today and they say as long as it has running water I am OK (but their mortgages are crap)

went to Darlington BS and arranged for a meeting on Wednesday next week

Only thing I still need to to sort a price out with the seller

70k I am sticking to

Ecosse Sport

Member

Registered: 5th Jun 02
User status: Offline

3rd Aug 07 at 09:44

Go and see an independent mortgage advisor, they'll be able to find you the best deal and it might not even cost you any thing.

M2RTY

Member

Registered: 25th May 01
User status: Offline

3rd Aug 07 at 19:37

quote:
Originally posted by Ecosse Sport
Go and see an independent mortgage advisor, they'll be able to find you the best deal and it might not even cost you any thing.

tried, got fed crap

M2RTY

Member

Registered: 25th May 01
User status: Offline

6th Aug 07 at 14:29

off back there now.........wish me luck lol

Ecosse Sport

Member

Registered: 5th Jun 02
User status: Offline

7th Aug 07 at 08:27

quote:
Originally posted by M2RTY

quote:
Originally posted by Ecosse Sport
Go and see an independent mortgage advisor, they'll be able to find you the best deal and it might not even cost you any thing.

tried, got fed crap

I had that experience years ago with flats I bought which are rented out now. When buying a house to live in recently my solicitor reffered me to someone he works with that was able to help me out quite a bit. As this is my third mortgage and I currently pay myself a very low salary I was needing someone to help me get it organised.

Good luck.

M2RTY

Member

Registered: 25th May 01
User status: Offline

7th Oct 07 at 08:55

UPDATE 07/10/2007:

This is how I am going to do it:

I need to put a floor in it and kitchen/running water and a few windows before it is classed as habitable. I have spoken to 7/8 mortgage advice companies and they have all came back and said the same.

so, I told the owner this, and asked for a letter stating that I will be buying the house for XXXXX amount, and that in order for the sale to go ahead I will need to spend about a grand on the house (and a lot of time) cleaning it out and doing some work. If for some reason I do not buy the house we will charge him for the work we have done and for our time.

So yesterday I went back in and started emptying the house. It's mad. Found some milk and eggs from mant years ago in the fridge, all his clothes in the wardrobe still, and an estimated 2000 classic car magazines/handbooks/airplane handbooks going back 50 years!

I also found a lotto ticket from exavtly 10 years ago so I put the same numbers on last night and won a tenner LOL.

will gets pics if anyone is interested

M2RTY

Member

Registered: 25th May 01
User status: Offline

7th Oct 07 at 08:56

PS - once it is habitable, I will get the mortgage sorted out. I want it to be valued for as much as possible so my 5 mortgage will be less

Tom J

Organiser: South Wales
Premium Member

Registered: 8th Sep 03
Location: Bridgend
User status: Offline

7th Oct 07 at 10:15

get some pics up mate

M2RTY

Member

Registered: 25th May 01
User status: Offline

7th Oct 07 at 12:05

will do

M2RTY

Member

Registered: 25th May 01
User status: Offline

7th Oct 07 at 16:49

found a dozen watches, magazines from the 50s, petrol rashons books from the war, ww1 postcards and alllllllsorts of other amazing stuff

the attick is also full

I reckon I have 10 trailers full of rubbish, took 2 to the skip so far

pics soon

M2RTY

Member

Registered: 25th May 01
User status: Offline

7th Oct 07 at 17:06

PHOTOS:

in time order:

http://groups.msn.com/M2RTV/house.msnw?Page=1

[Edited on 07-10-2007 by M2RTY]

M2RTY

Member

Registered: 25th May 01
User status: Offline

7th Oct 07 at 17:35