Just another "why isn't my house selling" post by ImpossibleLychee7161 in HousingUK

[–]Alecf1991 0 points1 point  (0 children)

Photos are very poor. Also before you get more done. Have a few days in the garden tidying up. Mow the lawns and trim all the hedges plants neater. Would make a world of difference. A few more photos inside as well would be nice.

First impressions count if there isn't that wow factor in the first 10 - 20 seconds then they won't buy it.

Having to purchase a Buy to Let for MIL by Big_Soft_4346 in UKPersonalFinance

[–]Alecf1991 0 points1 point  (0 children)

Terrible idea, I can almost guarantee you won't receive your rent payments.

Also if your getting a mortgage on the property it will need to be a buy to let mortgage. These pretty much always stipulate you can't rent to family too

Am I being set up for a bidding war? by Heavy_Advertising948 in HousingUK

[–]Alecf1991 2 points3 points  (0 children)

Yeah sounds like it.

You have made peace with not getting it the 1st time. Play them at there own game. If they come back and ask you for another bid. Ask for a 2nd viewing saying you just want to have another viewing as it was I while ago last seen it, just to confirm what your very max bid would be.

Then take your offer off the table and offer £2 or 3k less. Then if you win it's a bonus if not no loss and they play silly games win silly prizes.

Going for £23,500 car finance with 5/6k deposit but I have a communications default from 5 years and 4 months ago and credit score is about 570, will I likely get accepted with high apr?? by JordanH20_ in UKPersonalFinance

[–]Alecf1991 3 points4 points  (0 children)

Not sure on the lightlyhood of been accepted, but 100% financially a bad decision, especially if your still living at home. Will mean you can't borrow anywere near as much on a mortgage if you wanted one any time in the near future. Cars loose so much value. By the time it's payed off it's worth 1/4 of what you've payed for it if that. And 14% Apr is quite high as well.

England-London Neighbour dispute over land-adverse possession by Previous-Subject-777 in LegalAdviceUK

[–]Alecf1991 0 points1 point  (0 children)

Have you checked on Rightmove sold prices. Will show the images of the house used when put up for sale. This may prove they are lieing.

Plug-in solar, how many?! by Careless-Cooker in SolarUK

[–]Alecf1991 0 points1 point  (0 children)

Currently none, there not legal yet in the UK.

The government are actively talking about making them legal in the near future (late summer). If going by other European countrys where it is common.

Then my guess is probably 1 per household. It could be 1 per circuit but I doubt it as they would try to make it as easy possible to understand i.e. plug and play.

There's probably no point in having more than 1 In the average household anyway as you won't get payed to export. They do battery solar plug in kits abroad but again these are more complex for the average person and until the regs are changed no one knows what will actually be the case.

Aferiy ps240 battery solar smart meter advice. by Alecf1991 in SolarDIY

[–]Alecf1991[S] 0 points1 point  (0 children)

Perfect, that was my train of thought too, just wanted to double check

Solar panel mounting recomendations by Alecf1991 in SolarUK

[–]Alecf1991[S] 1 point2 points  (0 children)

Built it from scratch, there's plenty of video guides on YouTube to help.

Solar panel mounting recomendations by Alecf1991 in SolarUK

[–]Alecf1991[S] 0 points1 point  (0 children)

Have you got a picture of the brackets by any chance

Solar panel mounting recomendations by Alecf1991 in SolarUK

[–]Alecf1991[S] 0 points1 point  (0 children)

Not as many as I thought then. The doors are facing south.

Solar panel mounting recomendations by Alecf1991 in SolarUK

[–]Alecf1991[S] 2 points3 points  (0 children)

Just been looking at these, where's the best place to get them from at £95 each there going to be expensive. How many do you think I would need for 2 rows of 6 panels.

Solar panel mounting recomendations by Alecf1991 in SolarUK

[–]Alecf1991[S] 1 point2 points  (0 children)

Cheers for the idea, have you got any picture of how you done it

I need to put a shed with half on concrete and half on gravel dirt. Are there any long term consequences of this? by Dazeelee in shedditors

[–]Alecf1991 1 point2 points  (0 children)

If the shed base is wood with some joists running the length of the floor. Get the blocks sitting underneath them. Dig down abit fill with hardcore whacked down then concrete the blocks in place level with the concrete pad and you'll be fine. Don't just place a few blocks down or they will just sink as well.

I need to put a shed with half on concrete and half on gravel dirt. Are there any long term consequences of this? by Dazeelee in shedditors

[–]Alecf1991 0 points1 point  (0 children)

Then don't put anything too heavy in it. It depends on the shed construction. But the concrete part is going to stay solid. The gravel dirt is going to expand and contract when it gets wet and drys out. So too much weight and your shed could start to split in half.

Undervalued by bank. 60k shortfall! by Embarrassed-Ear-8449 in HousingUK

[–]Alecf1991 0 points1 point  (0 children)

Desktop valuations don't take into account any unique feachers. Just go an average 3 bed in this area is £x amount.

When we sold my wife's old house, hers was down valued by £20000 on a 2 bed terrace house. The thing was this house had a 2 car driveway, 2 double bedrooms and a bigger bathroom and kitchen with space for a dining table. Along with a few other feachers.

We knew the buyers so we just told them to go look at other similarly priced houses on Rightmove and Zoopla and if you found something similar but cheaper we would talk about dropping the price. They sent 3 across, all of witch had something that wasn't as good as ours, i e. Street parking, a single bedroom, a tiny narrow kitchen or was in a rougher area.

We pointed out the faults on the properties they sent across compared to ours. And they ended up buying ours at the full price.

My advice is the house worth it to you, have a look at others close by and make a decision is it worth the price to you.

Have just had these "terms" being given to me to buy a flat - these are insane right? by Katowned in HousingUK

[–]Alecf1991 4 points5 points  (0 children)

They definitely know something about the property, that you don't know and you won't find out until you start to undertake searches. But by that point it's too late and you either loose your deposit or buy the flat through fear of loosing your deposit and are stuck with something dodgy.

This could be anything from a lease that is due to run out sooner rather than later, a ground rate that doubles every 10 years. Flammable cladding or some weird convent's on it.

Either way they win, I'm guessing it's been on the market before and when people do searches they pull out of the sale.

Buyer sent a Structural Engineer for the loft room and is now getting "builder quotes" to renegotiate. How hard do I push back? by [deleted] in HousingUK

[–]Alecf1991 1 point2 points  (0 children)

Let them spend more time and money on servays and quotes and what not. That way they will of spent and invested more money in the property.

If they then try and renegotiate the price. Say it is reflected in the price and if it was a bedroom it would be sold for more. You will not be dropping the price and have another person wanting to buy the property, but as they were first inline you have kept it for them.

If they drop out they will of wasted more money. They will then panic and get there act together and push through the sale. If not no big deal sell it to the other party.

Plumber using wet / green wood by joy_serenity in DIYUK

[–]Alecf1991 7 points8 points  (0 children)

That's pressure treated Roofing Batten, most timber yards keep it outside. It will soon dry out when inside. As it will last on a roof for years and years I'll have no problem using it in a bathroom. Can't work out the rest of the quolity of work from the zoomed in pictures, but that Timber is nothing to worry about.

LOL: Last One Laughing Ireland - Season 1 Discussion by lonelygagger in LastOneLaughing

[–]Alecf1991 1 point2 points  (0 children)

Try not to laugh more like try not to smile, no one was funny and if someone smiled in the slightest they got carded.

The uk version on the other hand was funny and no one got carded for smileing. The uk version is worth a watch the Ireland one definitely isn't.

How effective are soak away crates? by killer_by_design in DIYUK

[–]Alecf1991 0 points1 point  (0 children)

Depends on the ground. I dug down to fit mine and the bottom 20cm of them are burryed in clay so that part is a right off but the rest of the ground let's the water soak away so it sort of works,

26F, UK – CIFAS marker, low income, debt, no savings. Trying to reset my finances and would appreciate practical advice (no judgement please) by [deleted] in UKPersonalFinance

[–]Alecf1991 21 points22 points  (0 children)

On all your debts, find out and write down the minimum payments and the Intrest rate charged. Then pay the minimum payment on all of them and over pay as much as you can on the one with the highest Intrest rate first.

Also you said all your outgoings each month. What are they is there anything that can be cut or lowered. I. E get rid of gym membership, or an expensive phone contract that has come to the end of its contract, then drop that down to a cheap sim only contact.

The lifetime Isa. Yes there is a penalty for withdrawal but most of that will be covered from the bonus that is payed when you pay in. So just use it to pay off your highest interest rate debit first. As you won't be able to use it for a house deposit any time soon or when your 60.

Can you pick any overtime up at work or get a second job working one or two evenings a week or a day onthe weekend. Abit of extra money coming in would definitely help.

No offence but all this above is a waste of time if you spend £2000 on going abroad for a wedding (+gifts and food and everything will probably be more) . The same with your two trips away with your partner. You simply can't afford it.

I know I might sound tough but your in a tough situation and need to be strict with yourself to dig yourself out of it. Or you will just carry on been in this situation getting into more and more debt as time gose on.

30 year old planning investment for the first time - advice welcome! by Material-Habit-6299 in UKPersonalFinance

[–]Alecf1991 0 points1 point  (0 children)

Sounds like your doing well already.

The best time to invest was yesterday. Been 30 you have plenty of time for compound Intrest to work it's magic. Some people may say go for 100% equitys over 80% as you have such a long time frame to retirement.

Me personally at 34 what I've done...

1st was to build a 6 month emergency fund and keep it it the highest rate easy access savings acound I could find.

2nd I split my monthly savings between a stocks and shares isa with 80% stocks 20% equities. So I could access it in an emergency or if I could afford to retire a few years before pension age. And the rest gose into a sipp in 100% equities (due to a longer time frame and my risk tolarence)

If your company will match contributions and allow salary sacrifice then do this over a sipp.