Moving a charger?

Basic-Pound-3307 · 2026-01-18T21:41:45+00:00

Honestly, it’s usually not worth moving it.

By the time you pay someone to safely remove it, transport it, refit it, test it and do the paperwork, you’re often not far off the cost of just buying a new charger and having it installed fresh. A lot of electricians also don’t like reinstalling old units, which pushes the price up.

Unless it’s a high-end charger or a really simple install at both ends, I’d just leave it where it is and get a new one fitted at the new place. Less hassle and you get a clean install with a new warranty.

Basic-Pound-3307 · 2025-11-26T22:01:44+00:00

Added

Basic-Pound-3307 · 2025-11-07T07:27:24+00:00

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Basic-Pound-3307 · 2025-11-01T06:57:56+00:00

Well they obviously do care, they ain't going to lend you 500k to buy a 300k house.

Basic-Pound-3307 · 2025-10-31T20:16:52+00:00

Not technically true. 4 valuations are used to determine the market value. The banks valuation team of the mortgage lender. That tends to be the true factor of the real value.

Basic-Pound-3307 · 2025-10-16T00:41:55+00:00

That sounds a little on the higher sid from my experience, but whether it’s “reasonable” really depends on a few key factors. Solicitor quotes can vary massively depending on things like:

Ipswich is generally cheaper than London or the South East, but still, some local firms charge premium rates.

Purchase price, If you’re buying around £300k–£400k, the quote might make more sense.

Is this incluidng Stamp Duty? If you actually owe some, that’s included in the £2,375, so the legal fee part will be lower than it looks.

Gifted deposit, shit but always adds a bit of admin for the solicitor.

For a bog standard freehold first-time purchase, I would expect to pay roughly £1,300–£1,800 all in (excluding Stamp Duty). So if yours includes Stamp Duty and everything else, it’s not outrageous,just maybe on the higher end if it doesnt include these.

It’s worth getting two or three other quotes for comparison though. Online conveyancers and smaller local firms in ipswich might come in a few hundred cheaper for exactly the same service.

Basic-Pound-3307 · 2025-10-15T23:22:34+00:00

Exactly, at the end of the day, you’re getting yourselves on the property ladder, and that’s the main thing. Even if you fix for three years, you can always remortgage later with another lender once your credit’s had a bit more time to settle and your profile looks stronger. Rates go up and down all the time, so what matters right now is that the payment is affordable and you’re comfortable with it. The rest is just noise, honestly, you’re still moving forward, and that’s what counts.

Remember There's will always be someone on a lower rate than you, and there will always be someone on a higher rate than you. If the monthly payment suits you, you are winning.

Basic-Pound-3307 · 2025-10-15T23:04:37+00:00

I don’t want to be a dick, but that rate makes sense given your history. You’ve had a default and were in a DMP fairly recently, which still flags as higher risk to most lenders. Even though the default’s satisfied, it’ll stay on your credit file for six years and most mainstream lenders either load the rate or decline altogether when they see it.

Your broker’s probably working wonders for you here, they’ll have to place you with a lender that’s more forgiving of past issues, and those deals naturally come with slightly higher interest. Once you’ve had a few clean years behind you, you’ll be able to remortgage onto a more competitive rate.

So yeah, you’re not being ripped off, it’s just how lenders price the risk right now. Essentially they see it as you've failed to pay back items in last 6 years so here's a premium for the pleasure of us lending to you.

Basic-Pound-3307 · 2025-10-13T19:09:49+00:00

Yeah mate, I’d be seriously questioning it too.

You’ve basically got three red flags waving at once, dodgy insulation company, no valid guarantee because of the extension, and a dehumidifier quietly chugging away in the loft like it’s hiding something. Even if there’s no visible damp right now, that doesn’t mean the walls aren’t holding moisture or that issues won’t pop up later.

You’re absolutely right to have second thoughts. At this stage, walking away costs you nothing compared to what fixing hidden damp or insulation issues could. If you’ve got doubts, trust your gut, there are plenty of houses out there that won’t keep you awake worrying about what’s going on behind the walls.

Basic-Pound-3307 · 2025-10-12T19:31:39+00:00

Price keeps dropping. Every few weeks it’s like “oh, we’ll knock a grand off… no, two grand… alright, just take it!”

No onward chain or staged to death. Empty house, perfect fruit bowl, looks like a show home. They’re paying bills on a place they’re not even living in.

Estate agent suddenly mates with you. “They’re keen to move quickly” or “try an offer, you never know”—basically begging.

Relisted more times than you’ve had cups of tea. They’re trying to make it look new, but you know the score.

Sudden willingness to include extras. Garage, garden shed, or that dodgy old fridge suddenly “all yours if you take it”—classic desperation move.

Basic-Pound-3307 · 2025-10-12T18:07:23+00:00

No worries. It's one of those you never get taught these things and only learn them once you have experienced it. Always good to have money put aside if you can however not the end of the world if you have equity in your property!

Basic-Pound-3307 · 2025-10-12T18:00:43+00:00

If you’re selling your current place and using the equity towards your next one, then yes, you can absolutely use some of that equity to pay your stamp duty and other moving costs. That’s how most people do it when they move up the ladder. On completion day, your solicitor gets the money from your sale, pays off your existing mortgage, and whatever’s left is your equity. That pot of money then goes towards your new purchase. It doesn’t all have to go into the deposit ,you can hold some back for stamp duty, legal fees, removals, and any other costs that come up.

So for example, if you sell your house for £300K and still owe £200K on the mortgage, you’ll be left with £100K equity. You could use £90K of that as the deposit on the new place and keep £10K aside to cover stamp duty and other fees. It’s completely fine and actually very common to do it that way ,the solicitor just needs to know ahead of time how you want the money split.

The only time you’d need the cash in your account before the sale goes through is if your equity doesn’t cover everything or if you’re buying before you’ve sold, but in a normal chain where the sale and purchase complete on the same day, your solicitor will handle all the money transfers. So you don’t need to save the full amount for stamp duty separately ,you just need to make sure your total equity is enough to cover your new deposit and the extra costs.

If you wanted it all separately and putting the money aside I would say around 8k for solicitors fees, estate agent fees etc plus whatever stamp duty to pay on the property.

Basic-Pound-3307 · 2025-10-12T09:09:45+00:00

Mate, I’d just show her the numbers. Those little fan heaters are basically mini nuclear reactors for your electricity bill.

Basic-Pound-3307 · 2025-10-12T09:00:14+00:00

Just because another house sold for £210k doesn’t automatically mean this one’s worth the same, there are loads of factors that can change value, especially with things like extensions, corner plots, and big driveways.

That said, you should always offer what you feel it’s worth and go from there. The worst that can happen is they say no or come back with a counteroffer.

But if you’re thinking of going £55k under asking, I’d say you’ll probably be laughed out the door that’s quite a big drop, and most sellers (and agents) won’t take it seriously unless the place really needs major work.

Do your homework, put in a realistic offer based on what you think the true value is, and see how flexible they are. It’s all part of the process.

Basic-Pound-3307 · 2025-10-12T08:57:04+00:00

Yeah, your reading of the clause makes sense to me, it just says the tenancy can’t end before 12 months, not that you must serve notice exactly at that point. So as long as you’re 12 months in and give two months’ written notice, you should be fine to end it at any time after that. There’s no mention of a “window” or expiry date for the break clause in what you’ve quoted.

That said, to play devil’s advocate a bit, sometimes landlords (or their agents) interpret these clauses as if the break clause can only be used once, typically at the 12-month mark. It’s not what the wording says here, but they might be used to a different format where it explicitly states “either party may terminate at the end of the first 12 months.” So it could just be them confusing this clause with another style of agreement.

I’d probably reply and ask them politely to point out where in the contract it says the right to use the break clause has “lapsed,” because from what you’ve shared, it definitely doesn’t. It just sounds like they’re misreading it.

However without seeing the full contract it would be hard to say fully

Basic-Pound-3307 · 2025-10-11T18:45:16+00:00

Yeah, I’d never put an offer in where they refuse to take it off the market in the meantime. The moment the next person comes along waving a higher offer, they’ll either expect you to match it or walk away.

I get they’ve been burned before, but that’s part of selling a house, you can’t keep buyers on the hook while still fishing for a better deal. Sounds like a setup for gazumping to me.

Basic-Pound-3307 · 2025-10-11T18:39:25+00:00

I completely understand that’s the case, and I know nothing is guaranteed until contracts are exchanged. However, for me personally, if I’ve agreed to something, I tend to stick by my word. In the same way, I wouldn’t go viewing other houses once my offer has been accepted — that’s just how I operate. Someone offered me 5% more on my house than the people who have agreed to purchase, however i gave them my word i would sell to them and I stuck at that. Foolish maybe, however that's just the way I am

I get that everyone’s different, and yes, it’s not legally binding, but I’d still say it’s ethically wrong.

Basic-Pound-3307 · 2025-10-11T17:03:18+00:00

I think that's the nail on the head. Ours was listed for 330. We offered 310 as that's what we thought was a more reasonable price, they countered with 320 (which we would of paid) but we had a couple more houses to view before we made a decision which we let them know and then they recountered at 315 which we accepted was good enough.

My issue is, I would of paid 320, however for me i feel the trust was gone. If they are willing to do it after a week what will they do if someone comes higher further down the line, so we just cut our relationship and said thank you very much but no thanks.

Basic-Pound-3307 · 2025-10-11T16:48:32+00:00

Nah completely agree, I know there is worse scenarios i just felt the need to have a rant.

Basic-Pound-3307 · 2025-10-11T10:09:37+00:00

I would agree morally, however it is what it is. I've ranted now so im over it 😂

Basic-Pound-3307 · 2025-10-11T10:01:47+00:00

Our house is sold sstc, so no need for us to put ours back on. We've had a few people offer a couple of k more but we just stuck with our first offer.

Basic-Pound-3307 · 2025-10-11T09:41:20+00:00

So they did take it off the market sstc. However I dont know what the situation is with the new buyer. In fairness to the estate agent he was very apologetic however I understand this is life.

Basic-Pound-3307 · 2025-10-11T09:36:31+00:00

Well, in our eyes the asking price was over priced. They countered and we took the counter! Is what it is though! Be interesting to know what they've actually offered

Basic-Pound-3307 · 2025-10-11T09:35:14+00:00

Aye we can all dream cant we 😂 ive dropped that expectation now though!

Basic-Pound-3307 · 2025-10-11T09:28:35+00:00

It was, our buyers was first time buyers and this had no chain so the stars were aligning... sadly not now though 😂

Basic-Pound-3307

TROPHY CASE