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  #41  
Old 18-05-2020, 07:03 PM
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Will they even still be able to pay for HS2 after this?
Probably not but can't see them canning major infrastructure projects at the same time as rapidly rising unemployment. After all they've discovered the magic money forest and come over all socialist.
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  #42  
Old 19-05-2020, 06:15 AM
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I'm thinking of London though. How many people live in walking distance of their work? Just checked and it would have taken me 1.5 hours to cycle from South to North. Not much different to the train time but a different risk.
Well you could say that about anywhere, but cities have both people and employment concentrated in a relatively small area - you can't say that about suburban and rural areas. Far more likely that people will live within walking distance of their job - or perhaps more importantly, a potential job, if we're talking about lifestyle changes - in a large town or city.
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  #43  
Old 19-05-2020, 12:54 PM
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Shouldn't it be affect ? 😄
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  #44  
Old 19-05-2020, 04:29 PM
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An analysis on the rising working form home trend on the SF property market:
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  #45  
Old 19-05-2020, 04:41 PM
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I read an interesting report that importance of cities as business zones will diminish and instead they will become "leisure zones" bars, clubs, museums, art galleries etc will thrive.
That sounds rather splendid.
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  #46  
Old 19-05-2020, 04:44 PM
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That sounds rather splendid.
Except that long term everyone will need bigger houses as those “business zones” will now be in their homes.
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  #47  
Old 19-05-2020, 05:01 PM
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I had rather imagined you would not be short of the odd spare drawing room?
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  #48  
Old 19-05-2020, 05:03 PM
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Is it still the case that if you lock off part of your office or factory (say an office floor) that you don’t pay council tax on that area?
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  #49  
Old 19-05-2020, 05:14 PM
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I don't think so. Rates mitigation exercises have been clamped down on in the last few years.
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  #50  
Old 20-05-2020, 06:14 AM
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Originally Posted by Adlerhorst View Post
Except that long term everyone will need bigger houses as those “business zones” will now be in their homes.
This is a very sound point. Despite the growing hubbub of tech firms and wallies telling us how great it will be when we all work from home, the fact is that there are a hell of a lot of downsides, which will become apparent over time even to those who encourage it.
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  #51  
Old 22-05-2020, 04:20 PM
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Looks like Facebook are permanently expanding their remote work policy, although maybe with reduced salary to match location.

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  #52  
Old 22-05-2020, 04:45 PM
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Looks like Facebook are permanently expanding their remote work policy, although maybe with reduced salary to match location.

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I know of at least one U.K. company who is expanding geographical recruitment to whole U.K. rather than Having people based within commuting distance of where their offices are and wfh is going to expand for existing staff if required, and no comment on reduced salaries.
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  #53  
Old 22-05-2020, 04:51 PM
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Not sure how much of an indicator this is but we have been refused a re-mortgage to free up equity for an extension. We are well within affordability, we've satisfied all the calculations, LTV is lower, repayments lower... but refused.

No idea why and the broker couldn't explain it beyond "perhaps it is related to the coronavirus".
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  #54  
Old 22-05-2020, 05:03 PM
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Originally Posted by Brett View Post
Not sure how much of an indicator this is but we have been refused a re-mortgage to free up equity for an extension. We are well within affordability, we've satisfied all the calculations, LTV is lower, repayments lower... but refused.

No idea why and the broker couldn't explain it beyond "perhaps it is related to the coronavirus".
Sounds like a weak excuse.

I take it broker was looking at several companies and not just your existing lender?
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  #55  
Old 22-05-2020, 05:04 PM
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I think that there maybe a surge in house buying when all settles down. Something with a garden as opposed to a flat with no outside space.
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  #56  
Old 22-05-2020, 05:09 PM
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Quote:
Originally Posted by Brett View Post
Not sure how much of an indicator this is but we have been refused a re-mortgage to free up equity for an extension. We are well within affordability, we've satisfied all the calculations, LTV is lower, repayments lower... but refused.

No idea why and the broker couldn't explain it beyond "perhaps it is related to the coronavirus".
I seem to remember that the banks have greatly tightened up lending criteria, which rather suggest that won’t be a great increase in house buying in the next few months. What these new criteria are however I don’t know, but really your broker should!
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  #57  
Old 22-05-2020, 05:44 PM
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Sounds like a weak excuse.

I take it broker was looking at several companies and not just your existing lender?
I'm not convinced; we are going to revisit the lender direct next week. They are really strict, they didn't want us buying this house in the first place even though we've put £100k on the value just by sitting in it for four years.

It seems a lot of mortgage companies don't actually have any lending criteria, it's all made up on the hoof.

Might as well sell up and go to Devon as the extension was really the only point of remortgaging. The only other improvements we can do is basically just cosmetic and really pouring money down the drain. I'd like to stay but once you've had planning approved, it's a kick in the bollocks, particularly when you satisfy the headline conditions.
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  #58  
Old 22-05-2020, 05:56 PM
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Hopefully you can at least get a reason for the decision so you can think about next steps
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Old 22-05-2020, 06:10 PM
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Quote:
Originally Posted by Brett View Post
Not sure how much of an indicator this is but we have been refused a re-mortgage to free up equity for an extension. We are well within affordability, we've satisfied all the calculations, LTV is lower, repayments lower... but refused.

No idea why and the broker couldn't explain it beyond "perhaps it is related to the coronavirus".
We had the same issue on a straight new fixed deal as they wouldn’t value it at any more or less than the valuation that was made last time it was valued because they can’t physically come to the house.

The banks are a bunch of ******* crooks - they haven’t passed on any of the interest rate reductions to lending and are being tight about doing so but they cut the interest on my savings pretty quick snap!

My suggestion would be wait six months and try again when they’re not shitting their pants about the economy. Although I don’t know how long planning permission is valid for so my input is likely worthless.
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  #60  
Old 01-06-2020, 01:43 PM
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Well it's certainly affecting commercial property. I was in the middle of transferring my old and quite modest workplace Aviva pension to Nest, largely for ethical reasons. Just received a letter from Aviva telling me that due to the impact on the commercial property market of both COVID and Brexit, they have experienced a big demand from their customers to exit their pension property fund. As a result they are suspending transfers, switching and withdrawals from the fund. A bit alarming - is this the start of a run on some financial products?
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