Nice mortgage calculator

chucky

Graham_Devon wrote: »

LOL, is this all you and Joe are gonna do today? Accuse me of lying when I say something you don't like?

Anyone can see what you have said and what I have said. Last page of "cat died" thread. I was responding to Iveseenthelight about average prices vs average wage, and you popped up, in this average price vs average wage discussion saying what you said.

I've not lied about anything. You are simply twisting a hell of a lot here. We can see that by your explanation of "averages".

One could easily assume you were talking about average people being just that. The average person in Britian. Not your bizzare analogy of the average person which will always suit every argument you ever have.

you're lying again Graham and getting things very wrong, i copied by quotes across all you have done is throw false and actually very pathetic accusations - but i'll leave you to it. enjoy yourself, i'm saying that literally

ruggedtoast

chucky wrote: »

have a read of your own post and do us all a favour

lol I cant believe youre actually searching my back posts- what are you going to do sue me for false advertising?

Unethical internet posting?

How about reporting me to the society for "Internet Safe Spaces for Bankers"

Get over it, or get used to it or whatever you said earlier on to Graham, I cant really be bothered to scroll up to check.

Pee

So £35k deposit for a mortgage with my wages on the cheapest places..

chucky

ruggedtoast wrote: »

lol I cant believe youre actually searching my back posts- what are you going to do sue me for false advertising?

Unethical internet posting?

How about reporting me to the society for "Internet Safe Spaces for Bankers"

Get over it, or get used to it or whatever you said earlier on to Graham, I cant really be bothered to scroll up to check.

no searching back posts it took 15 seconds, it stuck in my memory because it was a stupid thing to say at the time.

you just make me laugh to be fair. just laugh at your double standards.

System

Everyone was complaining about 90%-100% mortgages, now you find out you need a decent desposit and you still complain

If any of you live with parents then a massive desposit should really be no trouble at all.

Graham_Devon

chucky wrote: »

you're lying again Graham and getting things very wrong, i copied by quotes across all you have done is throw false and actually very pathetic accusations - but i'll leave you to it. enjoy yourself, i'm saying that literally

Well at least inform me what I am lying about then?

You copied your own quotes across yes.

You didnt copy what they were in response to, and in what context you said it, which makes a huge difference. You were replying to an average wage vs average price post....mine.

ruggedtoast

chucky wrote: »

no searching back posts it took 15 seconds, it stuck in my memory because it was a stupid thing to say at the time.

you just make me laugh to be fair. just laugh at your double standards.

I dont make you laugh though do I Chucky? I make you maaaaad.

So. very . maaaad.!

Its the internet. Dont take it so seriously.

:mad: <

---

Chucky earlier today.

Graham_Devon

Joeskeppi wrote: »

Everyone was complaining about 90%-100% mortgages, now you find out you need a decent desposit and you still complain

If any of you live with parents then a massive desposit should really be no trouble at all.

Again, no ones complaining?

Actually, 2 have congratulated Barclays for sensible lending? Unless thats complaining by the average complainer

chucky

ruggedtoast wrote: »

I dont make you laugh though do I Chucky? I make you maaaaad.

So. very . maaaad.!

Its the internet. Dont take it so seriously.

:mad: <

---

Chucky earlier today.

oh dear... Mr Toast has lost the plot

at least this is getting me through a dull day at work

roseland69

Try living in London. The evening standard had some figures the other day. The average London earner (I think its about 35K) nees to find 10 x salary to afford somewhere to live.

We bought our flat in 1999 for 135K with a joint income then of about £45K and a £15K deposit (thereabouts). The flat is in West London. We in no way in hell on earth could afford anything LIKE where we live now had we been starting over again. Even taking into account wage rises, it doesn't compare to housing price increase. Its plain stupid.

I've just looked on rightmoves. There is precisely 1 property matching the 1999 criteria for our flat in the West London. That is 2 bed garden flat up to 130K. And given my search criteria matches the average salary of a Londoner that's just 1 property like that for them ALL in West London.

So, as first time buyer would now have to to earn over £100K a year to by the very same flat. And on top of that have a £100K deposit.

That is just plain WRONG in my book. Anyone who says otherwise is deluded and frankly a bit strange.

I am lucky we bought when we did. Because it allowed me to start a family and put down some roots.

Young couples will delay having families because they want to buy their own home first. Had 1999 been 2009 my son would never be born. That's a bloody sad indictment on the situation we are in now with house prices.

The point being the that house prices are patently failing to reflect the average person wishing to a property. If the "average person" earns over £100K a year then I'm a dutchman. And quit it with the "ahh, but its the average home buyer". Because I was an average home buyer once and I've not changed as a person in my status.

The whole thing stinks and the sooner the prices come down to sensible levels, the better.