Buying a house (and renting)

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Moggy
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PostRe: Buying a house (and renting)
by Moggy » Fri Jan 31, 2020 5:06 pm

They’ve replied to my complaint by rejecting all of my points and rewriting history. Their letter is full of lies.

Off to the ombudsman I go then.

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Lex-Man
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PostRe: Buying a house (and renting)
by Lex-Man » Sun Feb 02, 2020 7:58 pm

I've put an offer in for a house. Can't believe I might be a home owner soon.

Amusement under late capitalism is the prolongation of work.
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Jenuall
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PostRe: Buying a house (and renting)
by Jenuall » Wed Feb 12, 2020 7:30 pm

Just had the annual mortgage statement through from our building society. In summary:

12 months ago you owed us: "a gooseberry fool load of money"
Over the last 12 months we have taken from you: "a gooseberry fool load of money"
Today you owe us: "essentially the same amount of money as 12 months ago!"

Ah the joys of house ownership! :lol: :cry:

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Lex-Man
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PostRe: Buying a house (and renting)
by Lex-Man » Wed Feb 12, 2020 7:40 pm

Jenuall wrote:Just had the annual mortgage statement through from our building society. In summary:

12 months ago you owed us: "a gooseberry fool load of money"
Over the last 12 months we have taken from you: "a gooseberry fool load of money"
Today you owe us: "essentially the same amount of money as 12 months ago!"

Ah the joys of house ownership! :lol: :cry:


It's the amount of interest you end up paying. Mine is over 50% of the property cost of the property.

Amusement under late capitalism is the prolongation of work.
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Jenuall
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PostRe: Buying a house (and renting)
by Jenuall » Thu Feb 13, 2020 9:52 am

Yeah the interest is just depressing when you look at it. :cry:

Looking at it on a small level can be depressing but when I look back at how much we've paid of over the number of years since first taking out a mortgage you can see progress which is nice!

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Tomous
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PostRe: Buying a house (and renting)
by Tomous » Thu Feb 13, 2020 10:06 am

It's not as depressing as looking at how much you've spent on rent over the years to be fair ;)


We're hopefully moving into the new place in the next few weeks. Been delayed for various non-related reason and have had a load of work done on the place. Going to be a bit of a change of pace going from a flat in the centre of a big city to a small village 25 mins outside but I'm looking forward to it.

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Preezy
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PostRe: Buying a house (and renting)
by Preezy » Thu Feb 13, 2020 10:13 am

Lex-Man wrote:I've put an offer in for a house. Can't believe I might be a home owner soon.

Was your offer accepted?

Our 5-year fixed rate ends in a couple of months and managed to shave £100 off our monthly payments on the new deal from our existing lender. That'll do nicely :toot:

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Lex-Man
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PostRe: Buying a house (and renting)
by Lex-Man » Thu Feb 13, 2020 10:23 am

Preezy wrote:
Lex-Man wrote:I've put an offer in for a house. Can't believe I might be a home owner soon.

Was your offer accepted?

Our 5-year fixed rate ends in a couple of months and managed to shave £100 off our monthly payments on the new deal from our existing lender. That'll do nicely :toot:


Yeah although I haven't finished the buying process yet. Hopefully everything will be done some point in March. Got a five year fixed at about 1.5 worried that interested will have spiked in five years though.

Amusement under late capitalism is the prolongation of work.
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Hime
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PostRe: Buying a house (and renting)
by Hime » Thu Feb 13, 2020 11:47 am

Jenuall wrote:Yeah the interest is just depressing when you look at it. :cry:

Looking at it on a small level can be depressing but when I look back at how much we've paid of over the number of years since first taking out a mortgage you can see progress which is nice!

I bank with the same place we have our mortgage so it appears on the app. I quite like that they don't fudge the numbers and show me exactly how much per month of what I pay actually comes off the outstanding amount. Less than half :lol:

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