Langley

just a quick one, as of today there is just ONE 90% mortgage available and it's only around for 24 hours.

agree with Crafty disagree with Annies.

We went and it's cheap patties, cheap buns. when it opens again get down to St Martin's coffee shop. in the evening it turns into a burger joint. that's 1000x better than Annies.

absolutely not, cheap, tasteless & in Nottingham. All three are synonyms for Nottingham!

ou can use the table to work out the SDLT due: Property or lease premium or transfer value SDLT rate Up to £500,000 Zero The next £425,000 (the portion from £500,001 to £925,000) 5% The next £575,000 (the portion from £925,001 to £1.5 million) 10% The remaining amount (the portion above £1.5 million) 12% https://www.gov.uk/guidance/stamp-duty-land-tax-temporary-reduced-rates

no it won't be.

0% stamp duty up to £500,000

Stick Vardy on Luiz. Red card incoming.

Who I want in the summer of 2020? Rachel Riley and a cold beer.

We bought a house in 2014 for 93k. It’s now worth 145k plus paying off 30k off the mortgage. So it’s been a cracking investment. Buying the same sort of house all done at that point was 125k. it didn’t have a kitchen, central heating or double glazing. kitchen 7k, central heating 3.5k and double glazing 6k. depends on the house if they need doing or knocking about but you’ll do it out of earned income or after a couple of years you can re-mortgage and get some more out for a bigger remodelling. But on average you earn more and more each year whereas the mortgage is going to stay the same. Like with my wife and I our incomes have quadrupled between buying the house and now. so redecorating and things like that are a lot easier. what you need to remember which is probably the most important is that it’s a first house and it’s just that step on the ladder. You’re probably not going to do the remodelling on that first house. It’ll be the second or third.

Yes, they will be. if there is a crash new builds will be effected probably more because there is usually a premium on buying a nice new house. when you came to sell it 1 year later assuming house prices didn't move or went down you may be in something called negative equity. (say you have a house with a mortgage on it for 200k and the house is only worth 190k you have 10k in negative equity. What I tell my clients usually is - how long are you going to live in there. A house usually is around 7 years. so any downturn you're probably going to come out the other side. and at the end of the day, it's a house. worst thing would be you have to stay and can't move. so think about around the house - can you add an extension etc. I'd never PERSONALLY buy a new build. best house to buy is one an old granny died in, needs all the work doing to it. it costs money to do but 1) they're sold 2) they're cheaper 3) you can do it how YOU like 4) the money you're saving on your mtg you are using to add value to the house in decorating and modernising it

an estimate is what I usually use. right move or zoopla may give an indication. for example my house it's 1950's. they're not after a real year just an indication as if it was 1800 they'd ask more questions that's all. 99% of houses it doesn't matter.

as a mortgage adviser I always do this before my clients are looking for a property. this way, you know the maximum your budget is going to be, you know what you're going to pay each month otherwise you don't know what your budget is going to be and how can you buy a house without knowing if you can afford it.

It’s cashflow and the FD will want it as long as possible in the bank. or I would if I were them

As a mortgage adviser there are no 95 or even 90% LTV out there at the moment. 85% is the most you’ll get.

The disappointment of this must be equal to what the Mrs felt the first time she slept with me. All that waiting and planning for a pathetic boring evening.

forgot about this one too

must be something about Villa Park

and you can't chop and change it.

it can't be easy refunding 22,000 people. it's only been announced recently it's not going to happen.

ones in Hinckley and the way to Hinckley are open. the ones on the a47 and the one next to TESCO in Hinckey are open. Morrisons too.

it's not the car its the insurance. its eyewatering

I think the millions that they've invested and continue to invest, the clappers, the pies and pints, scarfs, the upgrades to the ground and training ground. I think we can let them have 0.0001p (0.1%/365x40) they also won't have a consumer credit licence so they won't be able to pay it either.

I'm sad if Amarty does leave. He was becoming immense. Got a horrible injury in a nothing tackle in the last minutes of the game vs West Ham if I remember correctly.