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pcernie
Legend
Joined: Sun Apr 26, 2009 12:30 pm Posts: 45931 Location: Belfast
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Dell would like me to do an update. On Xmas Eve. What could possibly go wrong?
I have a new policy of only taking updates if absolutely necessary... For anything.
_________________Plain English advice on everything money, purchase and service related:
http://www.moneysavingexpert.com/
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Sat Dec 24, 2016 10:33 pm |
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brataccas
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 9:14 pm Posts: 5664 Location: Scotland
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anyone know where robins hood bay is or what town its in? apparently in Yorkshire, what an absaloutly amazing and beautifal part of the UK judging from old postcards  just bought a heap of robins hood bay postcards but it doesnt state where in yorkshire this place is 
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Mon Jan 02, 2017 11:11 am |
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pcernie
Legend
Joined: Sun Apr 26, 2009 12:30 pm Posts: 45931 Location: Belfast
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It's in Whitby, Yorkshire coast IIRC. Just type Google Maps after it.
_________________Plain English advice on everything money, purchase and service related:
http://www.moneysavingexpert.com/
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Mon Jan 02, 2017 12:12 pm |
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paulzolo
What's a life?
Joined: Thu Apr 23, 2009 6:27 pm Posts: 12251
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Not IN Whitby, but near. It's a bus journey away, or if you like a walk, you can get there along the coast if you walk along the cliff path.
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Tue Jan 03, 2017 9:22 am |
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oceanicitl
Official forum cat lady
Joined: Fri Apr 24, 2009 8:04 am Posts: 11039 Location: London
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I had to cook a roast meat free thingy for the bloke Xmas day (I had turkey). It looked disgusting and tasteless but he seemed to like it. He gave me a vegetarian sausage roll as well over the weekend. I didn't eat it all... nuff said 
_________________Still the official cheeky one 
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Wed Jan 04, 2017 1:23 pm |
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pcernie
Legend
Joined: Sun Apr 26, 2009 12:30 pm Posts: 45931 Location: Belfast
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I'm going to view a house on Wednesday and the estate agent suggested I contact their mortgage advisor. I was incredibly cynical as usual lol, and they forwarded me this to fill in
Mortgage Research:
(Per Applicant) Name: DoB: No of Children, Names & DoB’s: Current Address, Time at Address: Occupation: Basic Salary: Other Salary: Credit Commitments (Credit Cards, Student Loans, HP): Purchase Price: Deposit: Preferred Mortgage Term: Preferred Monthly Budget:
Am I missing something or is that putting me at a total disadvantage before I even view the house, never mind negotiate? And ffs, the full details of my non-existent children?!
_________________Plain English advice on everything money, purchase and service related:
http://www.moneysavingexpert.com/
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Mon Jan 09, 2017 9:01 pm |
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timark_uk
Moderator
Joined: Thu Apr 23, 2009 6:11 pm Posts: 12143 Location: Belfast
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Don't provide any of that information to anyone until you have decided if you like the place enough to make a formal offer. If you're looking at places to buy, surely you have a mortgage (or mortgage in principal) agreed with a lender already. If you don't want to use the estate agent recommended lender, don't use it. Mark
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Mon Jan 09, 2017 9:26 pm |
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pcernie
Legend
Joined: Sun Apr 26, 2009 12:30 pm Posts: 45931 Location: Belfast
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No mortgage or agreement as yet as I know I won't have any trouble getting one, let's put it that way. This'll be my first home but there's no problem putting down a big securing deposit or having my solicitor draw up something, whatever works best for me anyway.
_________________Plain English advice on everything money, purchase and service related:
http://www.moneysavingexpert.com/
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Mon Jan 09, 2017 9:56 pm |
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timark_uk
Moderator
Joined: Thu Apr 23, 2009 6:11 pm Posts: 12143 Location: Belfast
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Mon Jan 09, 2017 9:59 pm |
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pcernie
Legend
Joined: Sun Apr 26, 2009 12:30 pm Posts: 45931 Location: Belfast
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It wasn't luck, more sheer pigheadedness...
_________________Plain English advice on everything money, purchase and service related:
http://www.moneysavingexpert.com/
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Mon Jan 09, 2017 10:00 pm |
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oceanicitl
Official forum cat lady
Joined: Fri Apr 24, 2009 8:04 am Posts: 11039 Location: London
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As Mark said you would have to have a mortgage agreed in principal before you can put an offer in on any property
_________________Still the official cheeky one 
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Tue Jan 10, 2017 10:53 am |
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davrosG5
I haven't seen my friends in so long
Joined: Fri Apr 24, 2009 6:37 am Posts: 6954 Location: Peebo
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You need to be able to demonstrate an ability to cover the offer you make which is either evidence of actual funds (as in a cash buyer) or have a mortgage offer. Otherwise the seller won't take to offer seriously.
_________________ When they put teeth in your mouth, they spoiled a perfectly good bum. -Billy Connolly (to a heckler)
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Tue Jan 10, 2017 11:34 am |
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cloaked_wolf
What's a life?
Joined: Thu Apr 23, 2009 8:46 pm Posts: 10022
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Completely agree with the above - don't give that info.
When we were buying our first home, we looked at what we could borrow for mortgage. This gave us a ballpark of what we could afford. It did take us a few viewings before we realised exactly what we wanted and didn't want. Initially it was "must have garage (at least for storage if not car) and downstairs toilet". On the first viewing, I realised some houses in the area we were looking had no access to the garden except through the living room patio door - useless if we wanted to do gardening without dragging mud through the whole house. Another had a combined open plan kitchen and lounge area whereas we wanted a kitchen separate from any living rooms.
It was only then that we were able to narrow down what sort of house we were after. We applied online for a DIP/AIP before making an offer. The EA did ask for proof of DIP which I emailed. I did have concern that if they could see we could borrow up to say £300k but the house price was £250k that they might try and bump up the price.
_________________ He fights for the users.
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Tue Jan 10, 2017 12:25 pm |
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pcernie
Legend
Joined: Sun Apr 26, 2009 12:30 pm Posts: 45931 Location: Belfast
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That about sums me up - I'll have no problem proving income or bank balance to show I'm serious. My needs for the house are in flux at the moment because fcuktards, so haven't applied for a mortgage agreement yet. But as I say, trust me that it won't be a problem either way. Hell, I might not even need a mortgage as nothing is set in stone yet.
_________________Plain English advice on everything money, purchase and service related:
http://www.moneysavingexpert.com/
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Tue Jan 10, 2017 1:15 pm |
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TheFrenchun
Officially Mrs saspro
Joined: Wed Jan 06, 2010 7:55 pm Posts: 4955 Location: on the naughty step
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n( ginger) = n+1 
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Tue Jan 10, 2017 1:43 pm |
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