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  1. #28411
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    Quote Originally Posted by WMUG View Post
    You're not wrong, probably could've got away with it in hindsight.

    Looking at potentially buying soon, we'd be paying around half that in mortgage repayments.


    Shit's fucked.
    I wouldn’t be so sure on that but does depend on where you are buying & deposit amount.

    We spoke to our Mortgage broker this month to see our options, we are in a better financial position but banks will lend us less money then they offered a year ago. The interest rate has also shot up so the payments are pretty much the same as our rent.

    If you havent got a 15% deposit minimum, you’re fucked essentially in this market

  2. #28412
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    Quote Originally Posted by Ollie the Optimist View Post
    I wouldn’t be so sure on that but does depend on where you are buying & deposit amount.

    We spoke to our Mortgage broker this month to see our options, we are in a better financial position but banks will lend us less money then they offered a year ago. The interest rate has also shot up so the payments are pretty much the same as our rent.

    If you havent got a 15% deposit minimum, you’re fucked essentially in this market
    We'd have my parents acting as a guarantor in this case (Daddy )

    https://www.theguardian.com/money/20...roperty-ladder

    The bit on guarantor and family mortgages explains it.
    You used to be everything to me
    Now you're tired of fighting

  3. #28413
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    Quote Originally Posted by WMUG View Post
    We've been paying £900 pcm, and our contract's up for renewal in July.
    By "we" you mean "daddy™", of course

  4. #28414
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    Also, young people are so screwed in this country. £900 a month in rent for what I'm going to assume is not exactly a mansion. How are kids supposed to save for a deposit on a place these days without family help? Our mortgage is admittedly more than that but only because we mortgaged ourselves up to the eyeballs to take the step up to the place we are in now. The mortgage on the old place was lower and would probably be paid now if we'd stayed put.

  5. #28415
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    Quote Originally Posted by Letters View Post
    By "we" you mean "daddy™", of course
    Nah, not this time. Got a job n shit. We've managed to save up 3 months' expenses since Octoberish which we're using as an emergency fund, so we could theoretically have a deposit together by the time our next contract ends, but what with the pandemic, we've not been spending a lot of money. Also that money's for saving, not spunking on a deposit, so Daddy™ it is.

    We're lucky though, both got decent paying jobs and parents who've financially supported us by paying our way through uni.

    For those who don't have that, I don't know what you'd do. Houseshare, I guess. We're in a 1 bed flat in Salford. A nice one admittedly, but still. Homeownership is a pipe dream for lots of people of my generation, at least until their parents die.
    You used to be everything to me
    Now you're tired of fighting

  6. #28416
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    https://www.bbc.co.uk/news/uk-56740980

    The Queen has conducted her first in-person royal duty since her husband, the Duke of Edinburgh, died on Friday.
    The monarch hosted a ceremony in which the Earl Peel formally stood down as Lord Chamberlain, whose office organises royal ceremonies.
    During a private event held at Windsor Castle, the Queen accepted her former royal aide's wand and office insignia
    Wand and insignia

    This is a silly country

  7. #28417
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    Quote Originally Posted by Letters View Post
    https://www.bbc.co.uk/news/uk-56740980



    Wand and insignia

    This is a silly country
    "accepted her former royal aide's wand" eh...? ::

  8. #28418
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  9. #28419
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    Quote Originally Posted by Letters View Post
    it looks revolting whoever makes it

  10. #28420
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    Quote Originally Posted by Letters View Post
    https://www.bbc.co.uk/news/uk-56740980



    Wand and insignia

    This is a silly country
    HRH Potter
    It's better to burn out, than to fade away.

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