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  #61  
Old 02-04-2007, 01:42 PM
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Quote:
Originally posted by Lizzy
Well we just have borrowed from a lender that did at 5.4% (is that decent?)

You need to find a new IFA mate! Mind you we did have less than 50% of loan to value and I think that makes a difference.
Oh well then, that's it. What you're talking about is less a mortgage than a minor personal loan!
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  #62  
Old 02-04-2007, 01:46 PM
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doesn't feel like a personal loan!! lol
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  #63  
Old 02-04-2007, 01:47 PM
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Thanks Mal and Hakers - it seems I ought to have another word with my I.F.A. (although there are family reasons as to why I use him).

However, the point is somewhat moot as it seems these damned spendthrift potential first-time buyers are having trouble affording my house!
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  #64  
Old 02-04-2007, 01:48 PM
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Quote:
Originally posted by Dave
people 'wishing' for a crash are dicks
Really? What about those of us who need a crash to get onto the ladder?
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  #65  
Old 02-04-2007, 01:52 PM
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Quote:
Originally posted by kolinkins
Really? What about those of us who need a crash to get onto the ladder?
In reality I don't think a crash will help first time buyers that much. High interest rates usually go hand in hand with any downturn in the market, so even if 40% is wiped off the value (which is never going to happen) you'll struggle to afford a mortgage.
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  #66  
Old 02-04-2007, 01:53 PM
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Quote:
Originally posted by Santos-er
In reality I don't think a crash will help first time buyers that much. High interest rates usually go hand in hand with any downturn in the market, so even if 40% is wiped off the value (which is never going to happen) you'll struggle to afford a mortgage.
I know.

Been looking into this more and more, and get more and more depressed.

I hate being a 20somthing in the mid 2000's....
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  #67  
Old 02-04-2007, 01:56 PM
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I don't understand why people who can't afford the price at the present moment and want to get on the ladder get a shared ownership scheme
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  #68  
Old 02-04-2007, 01:58 PM
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Quote:
Originally posted by kolinkins
I know.

Been looking into this more and more, and get more and more depressed.

I hate being a 20somthing in the mid 2000's....
I couldn't afford a house in my mid twenties.

Why do you think you should be able to?
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  #69  
Old 02-04-2007, 02:00 PM
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Quote:
Originally posted by Dave
I couldn't afford a house in my mid twenties.

Why do you think you should be able to?
Because the way things are, I still wont be able to afford one in my 30s....

But wanting a crash doesnt make me, or anyone else who wants it, a dick. It makes us want a chance. That's all.
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  #70  
Old 02-04-2007, 02:03 PM
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But wanting a crash doesnt make me, or anyone else who wants it, a dick. It makes us want a chance. That's all.
So rather than get a job paying enough for a house or persuading a generous relative to stump up a nice deposit you want millions of people to suffer and potentially lose their homes?
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  #71  
Old 02-04-2007, 02:04 PM
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A tad insensitive, Dave.
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  #72  
Old 02-04-2007, 02:05 PM
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Quote:
Originally posted by kolinkins
Because the way things are, I still wont be able to afford one in my 30s....

But wanting a crash doesnt make me, or anyone else who wants it, a dick. It makes us want a chance. That's all.
You need to go for shared ownership.
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  #73  
Old 02-04-2007, 02:07 PM
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Quote:
Originally posted by Dave
So rather than get a job paying enough for a house or persuading a generous relative to stump up a nice deposit you want millions of people to suffer and potentially lose their homes?
I'd love a job which pays enough. The legal market too, much like the housing market, is cruel.

To be honest, your attitude on this thread makes a crash that much more desirable. which is a shame, because you dont come across so Tory on other threads.
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  #74  
Old 02-04-2007, 02:07 PM
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don't mean to sound harsh, because I know from personal experience it isn't easy, but if you really want to get on the housing ladder you have to save, save and save more. There's not going to be some miracle where you can suddenly afford a nice place

It takes time, took me just under 2 years to save enough up - and I think that was under the average. In the meantime we cut our outgoings to the minimum, moved into a tiny flat where we were living on top of one another but the rent was cheap and earnt as much as we possibly could.

Now moving into a nice, decent sized 2 bedroom flat.

Its frigging hard but not impossible and as Euro-pfc says there are schemes to help you. And in your mid-twenties you've got loads of time on your side.
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  #75  
Old 02-04-2007, 02:08 PM
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it all to haides. Buy a couple mobile homes, buy some land and get on it. Then let everyone else argue about interest rates and recessions, whilst you get on and enjoy life
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  #76  
Old 02-04-2007, 02:08 PM
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Property Crash

Yawn.
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  #77  
Old 02-04-2007, 02:10 PM
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Quote:
Originally posted by Jim Cannons Moustache
don't mean to sound harsh, because I know from personal experience it isn't easy, but if you really want to get on the housing ladder you have to save, save and save more. There's not going to be some miracle where you can suddenly afford a nice place

It takes time, took me just under 2 years to save enough up - and I think that was under the average. In the meantime we cut our outgoings to the minimum, moved into a tiny flat where we were living on top of one another but the rent was cheap and earnt as much as we possibly could.

Now moving into a nice, decent sized 2 bedroom flat.

Its frigging hard but not impossible and as Euro-pfc says there are schemes to help you. And in your mid-twenties you've got loads of time on your side.
Been saving for ages. But, with student loans (yes plural Dave) and the like, it's pretty much impossible to stay in the black month by month.

Student loans (and career development loans) are another thing the 30somethings of today did not have to deal with, so I cant possibly expect them to understand
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  #78  
Old 02-04-2007, 02:10 PM
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Quote:
Originally posted by kolinkins
I'd love a job which pays enough. The legal market too, much like the housing market, is cruel.

To be honest, your attitude on this thread makes a crash that much more desirable. which is a shame, because you dont come across so Tory on other threads.
So not wanting to lose my home makes me a Tory?
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  #79  
Old 02-04-2007, 02:11 PM
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Quote:
Originally posted by Dave
I couldn't afford a house in my mid twenties.

Why do you think you should be able to?
Interesting question.

I guess after 5 full years of employment, it wouldn't be unreasonable to be able to expect to buy a small place in a cheap part of town.
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  #80  
Old 02-04-2007, 02:11 PM
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I had student loans and I'm a thirtysomething.

Not a homeowner though, but that's because I'm rubbish at saving money (although I have a whole 30 in my internet savings account).
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