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Sunshinemummy wrote: »The interesting part is how come you have just one new cupboard!!
Not new, a replacement. The original one fell off the wall. (As cupboards do.) But the new one is bigger. Fnar, fnar:)'It is better to remain silent and be thought a fool, than to open your mouth and remove all doubt.'
Groucho Marx
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Sunshinemummy wrote: »Sorry I just cannot resist bumping this comment!
:D:D:D:D:D:D:D:D
I think we should make the comment viral. It ought to be on a t/shirt. JELLY are you here?
Oops , just saw you posted ^^^0 -
Jelly_Biactol wrote: »Not new, a replacement. The original one fell off the wall. (As cupboards do.) But the new one is bigger. Fnar, fnar:)
Phew... and hence the little man with a drill visiting you today!scamps1966 wrote: »I think we should make the comment viral. It ought to be on a t/shirt. JELLY are you here?
Oops , just saw you posted ^^^
Jelly, how can Tweets comments go viral?
:rotfl::rotfl::rotfl::rotfl:100 -
scamps1966 wrote: »I think we should make the comment viral. It ought to be on a t/shirt. JELLY are you here?
Leave it with me:):):)'It is better to remain silent and be thought a fool, than to open your mouth and remove all doubt.'
Groucho Marx
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Jelly_Biactol wrote: »Leave it with me:):):)
Can I have one please!
Can you imagine walking around Tesco with one on!
(Redfox we are only bantering, Jelly really does not make real t-shirts, but does nice pictures of them)
:):):):):) 100 -
At least it will take your mind off that tree that is about to fall on you
:rotfl::rotfl::rotfl::rotfl: cheers :beer:Sealed pot challenge number 003 £350 for 2015, 2016 £400 Actual£345, £400 for 2017 Actual £500:T:T £770 for 2018 £1295 for 2019:j:j spc number 22 £1,457Stopped Smoking 22/01/15:D:D::dance::dance:- 5 st 1 1/2lb :dance::dance:0 -
mum-of-4boys wrote: »hi , just a quick question if someone owns a property freehold, does that mean that they don't have a morgage on it? TIA
No offence to anyone, but you're all wrong.
Freehold / leasehold is something totally different a mortgage.
Firstly, Freehold is where you own the land outright and forever, on which a property may or may not be built.
Leasehold is where you rent the land on which a property is built for a period defined in the lease. This period is often initially quite long, like 125 or 999 years. The Lease can be sold on. You pay Ground rent on the land, usually a 'nominal' amount hence the term 'peppercorn' rent. Usually the lease will detail who is responsible for maintenance including 'common parts' that the freeholder owns.
A mortgage however is totally different. It is a term used to describe the security given against the repayment of a loan. If you default on the agreed repayments of the loan, the person who holds the mortgage can sell the mortgaged item (usually a property) to recover the money lent. You can take out a mortgage on a freehold or leasehold property.
In the context of a house or flat, it can be sold by the mortgage company to get their money back that you still owe them.
So you can own a freehold or leasehold property with or without a mortgage (security against a loan) on it.
Hope that clarifies the difference.0
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