Loxstock92

Anyone got any experience seeding an existing lawn. Had a new lawn put down couple years ago, our cats have destroyed half of it so hoping to salvage what I can and reseeding some pretty large patches.

you could put it down as a best case scenario, mortgage lenders price their mortgages based on whether they want to have best buy products to increase lending for a period of time possibly due to an influx of deposits, how their competitors are pricing their mortgages. if you’re rate is due to finish soon, check out what your lender is currently offering as of now, if not a comparison site will give you a general overview of the state of things at the moment.

My personal view is that with savings rates plummeting post GFC people just looked for an easy way of getting a good return on their money. What’s easier than buying a house and collecting rent. Anyone with money can do it

Some lenders will base it purely on the rental income and use what your payments will be on interest only basis using a reference rate. lender I work for used to use up to 5.5% ref rate, now it’s up to 7.5% which has really reduced a landlords ability to release equity. You’re going to see it across the market unfortunately with the new norm of higher rates than we’ve been used to in recent times. have you checked your current lender for their rates? You might find it’s not too dissimilar to what’s out their already.

What’s your opinion on fish puns and tits?

Congratulations to Arsenal who go 33 points clear of the relegation zone

Ok you got me

Solidarity!

What a stunner

This and the 2004 tsunamis are something I’ll never forget. Every time I got to a beach/near the ocean I’m always looking out to the horizon it had that much of a lasting impact it had on me. It’s frightening to think how 70% our planet have that much destructive power.

Break out the fish and tits!

Person.woman.man.camera.tv

Aaaaaaaaaaaand we’re done.

Think it would be worth exploring fixed rates and see what you can get. With that LTV you could get just over 3% which if rate the base rate does go up as expected your current tracker would end up higher than any new fixed rate you would move onto quite soon. Part of it will come down to whether you think base rate will come back down in the medium term or whether any increases would be manageable. it’s a case of, Do I fix now in the hope the base rate does go up which justifies me switching, or stick where I am and hope it doesn’t go up any further which justifies not fixing. Only you know your circumstances to know what’s best for you.

What’s your loan to value?

Pretty decent then considering options available today. They’re just changing at such a pace it’s hard to keep up. Lost count the amount of rotations they’ve done on the products.

2 or 3 mpc meetings left before end of year. Will defo be close to that.

That’s what I’d do. A lot people have been paying early repayment charges to get out early over the last year which I can see is feasible in some circumstances. Pay off as much as you can whilst the rate is low.

You’re going to be in and around 3% at the moment. Only going one way for the foreseeable. Think you might see 5% on higher LTV come middle of next year.

What did you end up fixing at? sorry I didn’t see this earlier but I work in mortgages for a large building society. If anyone else wants to ask about mortgages I’ll do my best.

@rjw63 if you could drink at any pub in town which one would it be? mate

I’m hopeful for more incomings but I think it’s probably after the hoohaa after last season with Ings and Buendia changing shirt numbers after Jack left.

Not a bad night in the end for Richard Gleeson to be fair…