Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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Shame they dont run you a shotgun coax for sky. INstead you'll get Skys shit install standards
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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Be interesting to see how the help to buy scheme works
Not being funny but surely you would have had more than 13k deposit living at home for all those years - you had no out goings surely
Also hope you have a 25 year term
Not trying to sound funny by the way genuinely pleased for you both
Happy times ahead
[Edited on 14-03-2016 by whitter45]
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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Looks really nice Steve!
Help to buy seems good, but I'm surprised there's no threshold. Surely if you can afford the initial mortgage payments for £200k then you don't need help to buy?
Seems a bit wrong? Although it may be due to house prices where you are being high? Seems a bit mad first timers getting "help" into £270k houses.
Don't blame you for taking the option though.
[Edited on 15-03-2016 by Ben J]
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djgritt
Premium Member
Registered: 1st Nov 07
Location: Dorset Drives: Focus ST / Hyundai i20N
User status: Offline
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We used HTB - basically 5% Deposit, 20% Equity Loan, 75% Mortgage.
You get 5 years from date of completion of Interest Free on the 20% loan, after which interest is added.
If you don't pay off the loan, the balance (by percentage) is taken on sale of the property. Ie, if you have 10% of the loan outstanding at time of selling, you pay 10% of your sale figure/equity to clear the balance, regardless of if house value has risen/fallen.
Mortgages are in most cases 25yr and can be Repayment types only.
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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quote:
Originally posted by Nic Barnes
quote:
Originally posted by Steve
coax is left in the loft
mine was the same. They say they don't bother as most people go for sky etc. As Gary said, screw fx and signal tester.
In fact I think there is a phone app actually
guessing you wont need a tv license if you have no aerial?
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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quote:
Originally posted by Ben J
Looks really nice Steve!
Help to buy seems good, but I'm surprised there's no threshold. Surely if you can afford the initial mortgage payments for £200k then you don't need help to buy?
Seems a bit wrong? Although it may be due to house prices where you are being high? Seems a bit mad first timers getting "help" into £270k houses.
Don't blame you for taking the option though.
[Edited on 14-03-2016 by Ben J]
Mainly advantage is the deposit. We only had to find 13k which is 5%
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Bought a toaster lol
And some cutlery
Looks alright
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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Good toaster them. I have the cheaper version for my cheaper house. Toasts evenly, and quickly.
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nathy_87
Member
Registered: 14th Aug 08
Location: West Mids. Drives: koda Fabia VRS 5J
User status: Offline
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That's never a knife?! it's a cut throat razor.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Same toaster as us.get the matching kettle.
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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Chav toaster
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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No chance. Chavs buy the argos colours shite. Delonghi stuff is too upmarket for them.
[Edited on 15-03-2016 by Ben G]
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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My toaster microwave and kettle are delonghi. It's good stuff. Microwave is quite powerful compared to others.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Same here. Good quality and last years
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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100% seen them in council houses.
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Thats good, council house people can generally afford all the posh stuff anyway given the amount of money gets thrown at them for having kids and not working
[Edited on 15-03-2016 by Steve]
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Leyland emulsion. 100% crap.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by Steve
Thats good, council house people can generally afford all the posh stuff anyway given the amount of money gets thrown at them for having kids and not working
[Edited on 15-03-2016 by Steve]
my 65" tv is straight out of the ghetto
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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When is OJC going to post pics of his so called new house
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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I am expecting a professional painter, and high flying insurance company sales person with letters after their names to own something very large in Windsor area.
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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I have that toaster. Matching kettle too. £120 odd for both good few years ago now. Still going strong.
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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We had all the wiring in the loft and aerial points in rooms but no aerial on the roof. I paid an aerial engineer £60 including the aerial to fit one. Cba getting into the roof. Had no big ladders too.
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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When I get 5 minutes I'll put some pics up. Not a new build so having to work through it.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Oliver can be my neighbour 420
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Insides decorated, just need to start with features, new spindals, doors. Kitchen needs new fronts on the units and work tops. Chris C has done all our carpets and laminate.
Best thing is I have a man cave full of 420
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