Ftb's Are Back!!!!!!!!!!!!!!!!!!

confused31_2

socrates wrote: »

Where I come from that is known as - "well and truly boyed off"

Im not going to even respond to you again, i put you to bed the other day, and your still there whimpering in the backround like a old dog.:rolleyes:

unspec

confused31 wrote: »

i have seen a few of her post's and think they are slightly wrong by about a mile maybe, you should stick a padlock on your keyboard.?

Physician heal thyself.

socrates

confused31 wrote: »

Im not going to even respond to you again, i put you to bed the other day, and your still there whimpering in the backround like a old dog.:rolleyes:

You never put anyone to bed.

Apart from sitting behind your keyboard pulling up details on prospective sales and chatting gibberish.

When was the last time YOU bought a house?

When was the last YOU sold a house?

When was the last time YOU did any of the things you talk about.

You are a dreamer and by the looks of it been made redundant and angry at the world

You own half a house you mug - I owned more than than when I was 20 years old.

You keep looking back through old posts trying to catch people out - simple fact is you do it to forget your own failings

But as always good luck on your new BTL venture IF your missus signs on the dotted line - which if she has any sanity she will not.

confused31_2

socrates wrote: »

You never put anyone to bed.

Apart from sitting behind your keyboard pulling up details on prospective sales and chatting gibberish.

When was the last time YOU bought a house?

When was the last YOU sold a house?

When was the last time YOU did any of the things you talk about.

You are a dreamer and by the looks of it been made redundant and angry at the world

You own half a house you mug - I owned more than than when I was 20 years old.

You keep looking back through old posts trying to catch people out - simple fact is you do it to forget your own failings

But as always good luck on your new BTL venture IF your missus signs on the dotted line - which if she has any sanity she will not.

yawwwwnnn:rotfl:

IveSeenTheLight

brit1234 wrote: »

I've saved a deposit for the last 5-6 years. I have more money saved than anyone else I know, i represent a minority. Even with a large deposit the 25%-40% is now beyond me. Surely the amount of first time buyers with more money than me in a deposit and can afford the deposit must be such a tiny percentage of FTB that it would have hardly any affect on the housing market.

Maybe they are looking at samller pricesd properties while you are looking at higher proced properties.

It may be they are in a different area than you and house prices are vastly different.

It may be that they are not FTBers that understand what to expect from a FTB property in their area

IveSeenTheLight

ess0two wrote: »

Think we are a way off the banks stopping to lend money,something that puzzles me i've just had limit increases on 3 credit cards i have.

They want you to default and pay more interest

pandamonia

This is proof that just because buyers are looking at homes doesnt mean they will buy them
http://www.thisismoney.co.uk/mortgages/mortgages/article.html?in_article_id=474591&in_page_id=58

until mortgages are back to 90% LTV and reasonable rates for people with decent credit then house prices are going to go down even further

russ21282

i think it is dependent on the area. As i have said in a previous post, good sized homes are still affordable around here, so it looks like the price drops won't be as significant.

We have been looking for a few months now and all the cheap houses are being bought by developers, so i can't see prices dropping below those levels (here anyway)

We barely have time to go and look at them. Admittedly, the houses which don't need any work doing are staying on the market longer, but they are still selling.

Personally, i think if people are buying with the plan to stay there a fair few years, it won't really matter if they go into negative equity as long as they can afford the repayments. Eventually the market will pick up again and hopefully be more stable if lenders play by the rules.

The only people who will lose out are those who buy above their means and people who plan to buy and sell on quickly for some easy money.

QTPie

We have just had an appointment made to view our house this Saturday (first peep since it has been back on the market - just over two weeks ago).

Incredibly we only had two viewings before the last offer was accepted: both loved the house - one loved the house but decided it "wasn't the time to buy for her" (she wants a property here, but not to move into it for two years), the other offered (which we accepted, then fell through when they later gazundered :rolleyes: ). So HOPEFULLY our ability to impress, when viewed, will continue...

Am still waiting to hear back from the estate agent about what position the viewers are in - whether they are proceedable. We will see... will concentrate on "knocking their socks off" with the viewing...

But, on a related note, I was speaking to a mortgage advisor today (to see what our options are regarding letting this place out and drawing down equity on it - if selling looks impossible...). He said that he personally was seeing a lot more mortgage applicants through the doors over the past month (especially First Time Buyers) and that was the trend across the region... most of them did have sizeable deposits and were serious about buying. The bank LloydsTSB/C&G was actually VERY keen to kend to people with the deposit and income to back them up :T

So we will see....

It could be a blip. Many people MAY go on to get cold feet soon after offering or before exchange...

QT

pandamonia

QTPie wrote: »

We have just had an appointment made to view our house this Saturday (first peep since it has been back on the market - just over two weeks ago).

Incredibly we only had two viewings before the last offer was accepted: both loved the house - one loved the house but decided it "wasn't the time to buy for her" (she wants a property here, but not to move into it for two years), the other offered (which we accepted, then fell through when they later gazundered :rolleyes: ). So HOPEFULLY our ability to impress, when viewed, will continue...

Am still waiting to hear back from the estate agent about what position the viewers are in - whether they are proceedable. We will see... will concentrate on "knocking their socks off" with the viewing...

But, on a related note, I was speaking to a mortgage advisor today (to see what our options are regarding letting this place out and drawing down equity on it - if selling looks impossible...). He said that he personally was seeing a lot more mortgage applicants through the doors over the past month (especially First Time Buyers) and that was the trend across the region... most of them did have sizeable deposits and were serious about buying. The bank LloydsTSB/C&G was actually VERY keen to kend to people with the deposit and income to back them up :T

So we will see....

It could be a blip. Many people MAY go on to get cold feet soon after offering or before exchange...

QT

anyone taking out 6% fixed for 2 years needs their head looking at