Loxstock92

9 hours ago, rjw63 said:

Started watching House again while waiting for other stuff. 

Still such a quality show even after all these years. 

For me it the best TV show ever, will never get bored of it.

On 21/05/2023 at 14:11, leemond2008 said:

@mjmooney or any of the other guitarists, have you ever bothered taking your guitars in to get a full set up done on them? 

I got my Martin back yesterday after getting one done on it, the results are **** amazing, it cost £85 but my god, she's like a new guitar, absolutely loving the results, I'll most likely take my Taylor in a few months and get one done on that as well.

Yeah, I’ve only ever got them done when I’ve acquired a new one to get heavier gauge strings put on them. (My ESP went from standard 46-10 to baritone 72-13 for that deep Drop B goodness). Since becoming a dad though last year It’s barely been used though. 

2 minutes ago, Vive_La_Villa said:

Did anybody see Sky sport social? I caught the end and they had a team of season excluding Arsenal and City and it looked like a Villa player at left back.  Or was it somebody else ?

It was him

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.

2 minutes ago, StewieGriffin said:

I get that, I probably should have made my question (much) clearer....

How does the base rate affect what interest rate my lender what would offer me when I come to renew my fixed term?

In essence, if I'm filling in a "how much will my mortgage potentially go up by" calculator, do I put 4.5% in the "what will my interest rate be?"

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.

1 hour ago, KentVillan said:

I don't really get the BTL obsession. There are easier and safer ways of multiplying your money, and going all in on BTL exposes you so much to a sudden change in the markets. Makes more sense if you're already very wealthy.

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

51 minutes ago, foreveryoung said:

I want to remortgage my flat that I rent, did it previous with no issues, my mortgage guy, who I use, said it cannot be done now without tax returns. There is no profit in it, so I have never done them, but he insists I need them, even to show losses. Costs me about extra £100 a month with the mortgage rates and service charges going up every other year, so I'm not sure where to go on it. Surely if I show losses, it's less likely to get a good deal.

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?

5 hours ago, sidcow said:

clearings in the woods finally get tired of wearing beards and check shirts

Ok you got me

1 hour ago, tonyh29 said:

Got a rescue cat from the cats protection last week , would have been less paperwork and criteria to meet if we’d adopted a child  but all done now .

She’d been living wild  in Horsell common for a few week( yeah that one for you HG Wells fans )  , maybe longer but looks like someone owned her previously even though she isn’t chipped or anything 

strange cat , purrs a lot and gives you nose rubs and then jumps 4 foot in the air if you try and stroke her , but probably still getting used to us 

had to put a chair in front of the fish tank for her as she kept trying to jump up and not quite making it , the thump gets quite annoying after the 20th one in 5 mins .. seems to be like TV for her 

id forgotten what it had been like to be a human servant after not having a cat for around 12 months 

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!

2 hours ago, villakram said:

Double digit inflation tends focus minds a little more than political grandstanding, and this on a day that the WH had to delete a propaganda style tweet claiming credit for the massive increases in social security payments to the elderly... until CNN etc slammed this given such inflation match rises are required by law.

He would have been much better off attending the WS game with his wife last night, though may have had an issue staying awake for the ~3hr game. I think many dem candidates up for election next week would have preferred that too.

 

Meanwhile... the (democratic) occupation of Syria continues.

Person.woman.man.camera.tv

On 31/01/2022 at 17:25, Loxstock92 said:

Well, guess we’ll start here.

Aaaaaaaaaaaand we’re done.

15 minutes ago, ender4 said:

Below 40% now.

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.

5 hours ago, ender4 said:

Been on standard variable rate of Base Rate +0.99% for the past 10 years. Has worked out great for me during that period, but now rates are going up doesn’t feel too good. Is it time to fix or too late now?

What’s your loan to value?

18 minutes ago, wilko154 said:

Fixed at around 3%

Wish I had overpaid on my 1.58% for the last few years now, but you can't predict the future.

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. 

57 minutes ago, Xela said:

Base rate could be 2.75% by Christmas, based on what our internal experts say. 

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

16 minutes ago, Genie said:

I still have 3 years at 1.39% but gonna start overpaying what I can get to get the balance down before it needs renewing.

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.

1 hour ago, Genie said:

What’s a good deal these days for a 5 year fix at about 60% LTV?

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.

9 hours ago, wilko154 said:

Thanks guy's very helpful! All sorted, fixed for 5 years at a slightly lower rate than I was looking at initially.

A bit of consistency at least going forward.

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.

14 minutes ago, Stevo985 said:

Taking the knee never represented terrorism ffs  

 

 

I'm happy to see it gone in a "it's run it's course sort of way". But the more it's booed the more it should stay

1 minute ago, maqroll said:

"Black Panther terrorist reasons for it"