Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by Steve
New sofa purchased,
Stock clearance item, was £1899 got it for £899 with free delivery. Because its in stock no wait either which is normally 8 weeks. Also includes the extra moveable foot piece on the end which is also normally extra.
[Edited on 09-04-2016 by Steve]
My brother has the same sofa. It's very comfortable. Pretty sure you can get 2 fully stretch out people on it too.
Great choice.
[Edited on 09-04-2016 by Ben G]
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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Fuck me £700 a month, ben g £1200 when he moves..
My mortgage is £470
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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You live in the ghetto
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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sofa seems a good deal. Take it you asked for the nathy 87 discount deal?
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Nathy had his pants pulled down
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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quote:
Originally posted by Steve
You live in the ghetto
I dont though.... House is worth about £220k and i love up north, houses in the next street are £400k... Its far from the ghetto
Agree with barnes.... Glad im northern
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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How much is your mortgage over how long
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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Over 19 more years i think and its about 107 k left
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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How much to start with
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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I had a £120k deposit
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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Of sorts in anyway....
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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Mine is 489 and it's over 20 years. I live in a really nice area. Quite a posh estate.
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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Nic & Taylor if your payments are that low why don't you pay off more a month and reduce the term - save shit loads of money
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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Imagine that you are similar to me and got gifted equity in your other house? Or similar - or the mrs had something to sell
I was gifted the equited from the father in law.... He bought the house in 2003. He put the house in his partners name to save tax or something, already owned another house.
In 2011 he split up with her and bought the house from her - it was a fiddley way and he gave her £30k or something. His mate is an accountant/broker so sorted the figures so they work.
Myself and the mrs have rented the house from him since and covered the mortgage.
He transfered it into our name last year with some clever figures from his mate
Its a nice street, not many come up for sale but the last one that did - and was the same as ours was £220k a couple years ago. Dont know much about houses but think values went up? Anyway they didnt sell as they got back together
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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Not really fussed on saving cash, would rather have disposable cash to waste on cars and holidays with the kids
Theyre only young once...
And as my littlest was born in august we knew she would be on maternity, so took a fixed term on a lower payment... Fixed for five years - nursery etc should be done by then so will up it after that if circumstances allow
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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It doesn't take a genius to realise why your monthly payments are so low compared to mine when you had a 120k deposit to put down haha
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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I know id feel sick paying around half my wages on a huge mortgage
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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 whitter45
Nic & Taylor if your payments are that low why don't you pay off more a month and reduce the term - save shit loads of money
will be doing that when I remortgage in 18 months time. Only got the place in December remember. I didn't have a hand me down deposit sadly. I had to earn mine and save for it.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by taylorboosh
I know id feel sick paying around half my wages on a huge mortgage
That's life, unfortunately. I think our current mortgage is only 20% of our net income, so easily manageable. Upping it to £1200 would take it to around 33%, so still very much manageable.
The problem down here is people have been priced out of the London boroughs, so are moving further out into the commuter belts. Thurrock is 2nd in the UK for house price increases over the last year I believe. Good for sellers, bad for buyers. Unfortunately I'm both, so I benefit in one way and lose out on another.
Either way, I started on the property ladder with a 17k deposit and now it looks like I'll have at least 100k equity in this house. Not a bad investment.
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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I said my income though..... My mrs earns about £1500 after tax too
Id imagine we amearn similar but still couldnt face it
Id of bought a cheaper house
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Bought a new 4g digital TV aerial. Cool story
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Went over today to do some measuring up, took some pics, nothing special. Get the keys 29th, still quite a bit for them left to do before then
Quite nice and open out the back I thought
Bedroom 3
Will be worse than most peoples houses on here, but will be ok for us for a first house
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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What's going to be in that open space out the back/side?
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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nothing just parking for folks houses, the soil bits will be lawns
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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Looks bang on
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