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FTBs looking for balanced opinions on our options

2

Comments

  • If you are looking to keep £10k for emergencies, then look at offset mortgages. Something like the ING one has no fees and will allow you to offset. Therefore your effective mortgage will be £85k and therefore your repayments will be lower.

    Good luck.

    Sanjay
  • lynnexxxo
    lynnexxxo Posts: 1,213 Forumite
    How long will your commute be to work? Its great having a lovely flat etc but if it takes you two hours to get to work????
  • straws
    straws Posts: 133 Forumite
    [FONT=&quot]We really like the flat but don't need to rush in for this particular flat. I’ve been keeping an eye on property in Folkestone for a while and it seems prices/sales are stalling around there and are probably about to drop. [/FONT]

    We've just bought in Folkestone too! I think prices will rise - de Haan's master plan, high speed rail link etc, although you might have to wait a few years. I take it you're looking in the West End though? I guess prices there won't necessarily rise.
  • dolce_vita
    dolce_vita Posts: 1,031 Forumite
    straws wrote: »
    We've just bought in Folkestone too! I think prices will rise - de Haan's master plan, high speed rail link etc, although you might have to wait a few years. I take it you're looking in the West End though? I guess prices there won't necessarily rise.

    :rotfl:

    F*cking priceless.



    I love this site.
    dolce vita's stock reply templates

    #1. The people that run these "sell your house and rent back" companies are generally lying thieves and are best avoided

    #2. This time next year house prices in general will be lower than they are now

    #3. Cheap houses are a good thing not a bad thing
  • straws
    straws Posts: 133 Forumite
    dolce_vita wrote: »
    :rotfl:

    F*cking priceless.



    I love this site.

    What??? Why are you being so rude?
  • Lizzy
    Lizzy Posts: 385 Forumite
    straws wrote: »
    What??? Why are you being so rude?


    Read it back, its a good giggle :rotfl:
  • straws
    straws Posts: 133 Forumite
    Oh I see - the way the sentence is structured means that 'you might have to wait a few years' refers to prices rising, not the high speed link.
  • Lizzy
    Lizzy Posts: 385 Forumite
    I took it more to mean that you said "we have bought in folkestone and think prices will rise" but you are buying in a s**t hole so prices won't go up there for ages.

    I really don't know the area's at all so thats perhaps how I read it. It may speak for itself if you live there.

    No offence intended but it did make me laugh (in a funny way). Perhaps Dolce Vita read it that way too.
  • dolce_vita
    dolce_vita Posts: 1,031 Forumite
    straws wrote: »
    Oh I see - the way the sentence is structured means that 'you might have to wait a few years' refers to prices rising, not the high speed link.

    :rotfl:

    will you stop it.

    I've just wet myself
    dolce vita's stock reply templates

    #1. The people that run these "sell your house and rent back" companies are generally lying thieves and are best avoided

    #2. This time next year house prices in general will be lower than they are now

    #3. Cheap houses are a good thing not a bad thing
  • dolce_vita
    dolce_vita Posts: 1,031 Forumite
    :confused:
    Lizzy wrote: »
    I took it more to mean that you said "we have bought in folkestone and think prices will rise" but you are buying in a s**t hole so prices won't go up there for ages.

    I really don't know the area's at all so thats perhaps how I read it. It may speak for itself if you live there.

    No offence intended but it did make me laugh (in a funny way). Perhaps Dolce Vita read it that way too.


    Yeah. that's the way I read it.



    And also straws, the tone of the post suggests that HPI is good but no HPI is bad.

    Is that what you think? :confused:
    dolce vita's stock reply templates

    #1. The people that run these "sell your house and rent back" companies are generally lying thieves and are best avoided

    #2. This time next year house prices in general will be lower than they are now

    #3. Cheap houses are a good thing not a bad thing
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