Loxstock92

Just now, Aston_Villan4 said:

Mine’s fine. But I have been drinking so…

Maybe if I have a few it will cancel each other out and will be super duper HD

1 minute ago, JAMAICAN-VILLAN said:

If it's Villa TV, it wouldn't surprise me lol.

About to switch on now.

It is, annoying as the lazio game was pretty decent 

I know it’s just started,

but is anyone else’s video quality like looking through beer goggles or just mine? (And no I haven’t been drinking)

2 minutes ago, flashingqwerty said:

Anyone think we might be done?  All gone very quiet...

Don’t think we’re done, but at the point that we need outgoings before adding.

For anyone who has an hour spare, communopoly! 
 

1 hour ago, Dante_Lockhart said:

I'll have the chicken then.

Tastes of human sir.

Thank you for flying cake or death.

2 minutes ago, JAMAICAN-VILLAN said:

Sounds like something I may recently have watched for educational purposes.

3 minutes ago, Pinebro said:

Still think there's a player in there.

I'm not prepared to give up on Leon just yet.

Same, it’s a hill I’m prepared to die on. 

1 minute ago, Zero7 said:

Will this be on the telly?

On villa tv for a fiver.

9 hours ago, El Zen said:

Well, we’re out of cake. 

So my choice is ‘or death?’

My one 200yds up the road is ok, even has its own theme tune

7 minutes ago, VillaJ100 said:

smash their arse in

5 minutes ago, Delphinho123 said:

 

Oooo ooo ooo I know what this means!

we’re signing Tyler Adam’s

So this channel is pretty cool, conducting interviews whilst eating progressively hotter chicken wings. Mostly American guests/films stars, musicians etc. 

last place I would have expected to see Harry Kane! 
 

(also the host Sean Evans is one of the best interviewers out there imo, purely for the fact that the questions asked aren’t your standard guff, guests are often surprised by the detail in research that has been done on them)

2 minutes ago, Genie said:

There was a famous male adult film actor on a podcast a while back and he said he had an onlyfans page that was making a lot of money. Their was a bit of a surprise at that because they (the presenters) didn’t think there were that many women paying for cock-pics and he said it’s true, it’s mainly gay men that subscribe to his page.

Danny D on jaackmates pod?

53 minutes ago, Xela said:

Open windows/sunroof beats air con when driving on a hot day. Just feels better. 

Not sure if that is unpopular or not. 

Have to agree, winds me up when the mrs insists on putting the air con on even after I’ve put the windows down

2 hours ago, foreveryoung said:

You need to get with the times then Chap. My pals a mortgage broker and has been offering up to 6 times salary for people to get on the ladder, 8x for big earners or self employed with certain lenders.

That would be the exception not the rule my good sir, you certainly wouldn’t get them from high street lenders.

17 minutes ago, sidcow said:

Christ on a bike. Just heard that in the 90's the average mortgage holder borrowed 3 to 4 times income. 

Average today is 11 (eleven) times income

I feel absolutely devastated for these people. They're (in the main) not frivolent borrowers, they're just doing what they need to in order to buy a house. 

Everyone talking about interest rates are only going back to where they used to be are missing the point somewhat.  Increasing a couple of percent on a loan of 4 times your salary as in the past isn't going to devastate you. 

Increasing a couple of percent on a loan of 11 times your salary is catastrophic. 

It's another example of how traditional inflation control mechanisms are not suitable for today.  If they need to take heat out of the economy (and I'm still not convinced any of this is due to excessive spending) then the pain has to be spread out more equitably, not just paid for by a few mortgage holders who have taken out mortgages in the last 10-15 years. 

Just to alleviate any concerns, the loan itself wont be 11 x salary, more likely average house price is. 
 

There is no way any lender will lend 11 x salary to anyone*, as you say it’s insane. I’ve done mortgage affordability assessments for 8+ years and generally the absolute max is 5 x but that’s for higher earners & v v little outgoings. Many factors come into re the multiplier such as income and outgoings, term, location, house price etc
 

*technically BTL mortgages don’t adhere to this as the loan is based on the rent the property generates as it’s seen as a self sufficient mortgage.

Newcastle away

10 minutes ago, Genie said:

Wow. Just had the biggest clap of thunder ever, half a second before the bang all the electricity went off for a split second, then BOOOOOM

Had the same in Coventry about half hour ago, literally shook the house.