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Messages - jimmy944

Pages: [1] 2 3 4 5 6 7 8 ... 149
General Discussion Area / Re: Down to the nitty gritty
« on: Today at 10:00:26 »
Talking to all of our local agents, there seems to be a shortage of supply in the market here (not sure how that works unless its an uptick in first time buyers & landlords). Hence things are moving pretty fast. Average time to market was 93 days for 4 bed detacheds in our area in 2017, now down considerably.

General Car Chat / Re: Mini Moke on Wheeler Dealers.
« on: Yesterday at 22:12:11 »
I suspect pendine sands. But think the beach huts were somewhere else entirely.

Pendine is favoued by a lot of car progs as you can/could legally drive on it. Top Gear did a few vids there. S-Type R Vs 300c Vs Monaro being the one I think I remember.

General Discussion Area / Re: Talking of selling houses....
« on: Yesterday at 21:36:16 »
No worries, in their defense, i don't think all their representatives will be as irritating as a dose of crabs. But I'm pretty certain the other points I made are universally applicable.   ;D

General Discussion Area / Re: Talking of selling houses....
« on: Yesterday at 13:17:19 »
...and if you pay in full up front what incentive is there for them to sell the house.

Swings and roundabouts I suspect. If its pay on completion (fixed fee especially) the incentive is for them to give the lowest valuation they reckon a punter will swallow. That way they can market a "bargain" house and get the money in nice and quick.

Personally I think its best to form an objective idea of what the house is worth, and take valuations with a pinch of salt and pick the agent you think you can work with.

General Discussion Area / Re: Talking of selling houses....
« on: Yesterday at 10:18:07 »
Has anyone used Purple Bricks?  ???  :-\  :)

No but they were on the panel of 5 we got round and their valuation seemed about right in the end. Reasons we didn't choose them:

1. The woman managed to annoy the cr@p out of me in the 40mins she was here and she was much more high pressure "selling" her services than the others, put us both off immediately.
2. Payment options. Yes, you can sell it for £999 or whatever with them but only if you want to pay up front (we couldn't) and if you do all your own viewings (we wanted the option for them to do some if we were out).
3. Solicitors. If you want to pay on completion you have to use their solicitors for conveyance and pay an extra £400 (I think) for the privilege. This was a red line for us, we have a family solicitor who we have used for over 15yrs and trust implicitly. Everyone I know (without exception) who has selected their estate agent's solicitor has had no end of problems, this is because they stack em high, sell em cheap and you get what you pay for, peanuts and monkeys.
4. Photos. All the purple bricks places round us have very obviously been photograped by the agent. Our place doesn't photograph well and we decided we needed a professional photographer - it made an unbelievable difference.
5. Cost. So, if you want professional photos, to pay on completion and to not do your own viewings, Purple Bricks are up to £1500 plus you pay for the photographer, oh and EPC on top. We paid £1750 + VAT fixed fee with a local outfit and got all that, plus premium rightmove listing, plus the house in the local rags plus its in their shop window. Oh and the guy didn't annoy the sh!t our of me.

Ultimately it comes down to what you're selling. If you're looking to shift a sub £100k terrace where chances are you'll be selling to a Buy to Let landlord or first time buyer, I'd use them. If you're trying to put your house in the best light possible so you can take a premium on it over and above the norm, then I would look elsewhere. 

General Discussion Area / Re: Down to the nitty gritty
« on: 17 July 2018, 19:41:16 »
Had ours on 2 months now, good amount of viewings but no offers yet. Doing good at 3 weeks, worth holding out for more  :y

Tbh we are 2.5% off what we were looking for. And the kind of place we are looking at, in the location we're looking at just doesn't come up that often. Maybe a handful of times in the 5yrs we've lived here, it's worth getting gone I think.

General Discussion Area / Re: Down to the nitty gritty
« on: 17 July 2018, 17:46:56 »
Sage advice.  :y

I'm not averse to getting balls deep in debt, but I need to know I have a way out and (more importantly) what I'm doing it for.

That said, I doubt that over the next 18-24m there will be much saving happening. But we are committed to having no debt after this house beyond a mortgage and a loan of c£100 to put SWMBO in a new car.

General Discussion Area / Re: Down to the nitty gritty
« on: 17 July 2018, 16:31:17 »
You mean living in an unheated damp caravan? then yes, probably!

I will feel wealthy in comparison to how I feel now that's for sure. Along with the house, we will also be divesting ourselves of just over £2k pcm in unsecured debt repayments.  :D

It turns out that taking on a major refurbishment on a period house with zero cash as a budget means one incurs the odd bit of debt here and there  :o

General Discussion Area / Re: Down to the nitty gritty
« on: 17 July 2018, 14:16:01 »
And its a done deal  8)

Managed to extract a bit more, and happy with the result. Off on Friday to look at an unconverted barn in a field. So much for an easier life  ;D

General Discussion Area / Re: Down to the nitty gritty
« on: 16 July 2018, 17:12:34 »
Thanks chaps, I do realise that a) this is only the start of the process and b) that most people turn into pathological liars when it comes to selling houses. 

I suppose it all depends if the original asking price is a true representation of what the house is worth. Estate agents often 'ensnare' sellers by suggesting they initially put the house on the market at an over-inflated price........only to reduce the price when nobody bites.  If it sells for 5% below the real value of the property this could be considered a reasonable offer.

When we went to market with this place, we had a view of what we thought it was worth, trying to be realistic we thought. We then had 5 agents round and got 5 different prices with a spread of nearly £90k  :o. It transpires they're only good at valuation if one like it close by was sold recently, then they mark up or down based on condition. Hardly rocket surgery  ::).

In the end we put it on for what we thought it was worth (which was £20k below the top valuation). We then agreed with the agent that we would consider reducing after 2-3 weeks if we got no bites. As it was we got 4 viewings in 3 weeks and we have an offer on which is more than 2 of the 5 agents suggested it went on for.

Its all a game, in the end  ;D.

General Discussion Area / Re: Down to the nitty gritty
« on: 16 July 2018, 15:35:44 »
I know you are. £40k below asking price, or just over 10% reduction.

TBH I don't think they will hang about. They went all the way down the road on another property only to find a defect in the title that meant it wasn't mortgageable. They have a cash buyer for theirs chomping at the bit.

I predict we will meet in the middle, which I will be happy with.  :y

General Discussion Area / Down to the nitty gritty
« on: 16 July 2018, 14:38:03 »
So, house has been on the market for three weeks today and we have an offer on the table.  :y

Need to press a bit more as its not enough, but its not daft either... time to get down to brass tacks as my granny used to say.  8)

General Car Chat / Re: So what have you done to your car today?
« on: 15 July 2018, 18:06:23 »

You do realise that GF is owned by Direct Line Group, in turn owned by UKI donít you ;)

I honestly didn't! I just thought they had engaged them as an agent to perform the breakdown service that came bundled with the bank account.

General Car Chat / Re: So what have you done to your car today?
« on: 14 July 2018, 22:48:25 »
Oh yes.  ;D

As soon as I have the car back, then we can start talking about getting the 3ft diesel stain off my drive. idiots. That will be a conversation for UKI however (an old adversary of mine) as I have no contractual relationship with Greenflag, they are merely UKI's agent who administer all my insurances that come as part of my bank account.  ::)

General Car Chat / Re: So what have you done to your car today?
« on: 14 July 2018, 10:04:15 »
Looks like they used the S.D + F.B.H method

Screw driver + F**king Big Hammer

is it fuel pump / sender unit ?

I've not had a volvo since the old 340 saloon  8)

Im inclined to agree, whatever they did, it certainly lacked finesse.  ::)

I *think* it's the sender for the fuel gauge and a lift pump. Iirc these are a saddle tank and there's an internal pump to balance the two halves of the saddle.

Up to now I've not had cause to look at it, and had I not brimmed the tank (as many people don't) I may never have known about their fack-up

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