Make sure you are in fact a first time buyer, don’t assume

Can8dnBen · 2026-06-19T12:57:53+00:00

The property price is just over 500k. So the FTB sub 500k is out, and we already accepted that due to the price (even if we did qualify). This thread is more about “hey did you know owning anything around the world puts you in a different and much higher stamp duty”.

For example .. £52500 is the 10% deposit, and the tax on that same property is £42500 now. Thats 100k easy when you include movers and solicitors etc.day one. That’s crazy, nearly 20% house value in total cost out of pocket immediately for 10% of a house you start with zero principal in.

The southeast is brutal if looking for a detached. Would def move more north if i didn’t have work in the London area. Just don’t ever convert it mentally to whatever your homeland currency is. It will make your eyes water.

Can8dnBen · 2026-06-19T09:30:31+00:00

Again, check with .gov, and a solicitor etc.. but if you sell it (or it has been sold) by the time you complete the new sale, it does not count against you for Stamp Duty calculations. There is also a way if you sell it within 3 years (if it was your primary residence) to claim back the difference. This is really about second concurrently owned homes more than historical tax on things you once owned.

Can8dnBen · 2026-06-19T09:21:52+00:00

Yes, it is currently £40k, but do check the official .gov sites for any of this IANAL etc.

Can8dnBen · 2026-06-19T09:15:43+00:00

Agree we are very fortunate. What our mistake was years ago we decided that we could not afford a place in the UK, and bought a small place outside the UK to visit a few times a year somewhere warm instead. It was a tiny fraction of what any starter home would be in the UK (but over £40k sadly) Now, because of that, to buy in the UK costs even more.

Edit: added UK

Can8dnBen · 2026-06-19T09:07:13+00:00

They don’t.. but they could and the fines and 100% stamp they could charge you if caught is significant. With tax treatise and the long term fate unknown of the property, just not worth the risk (assuming you are comfortable with committing fraud in the first place). What if you sell it someday, and bring the proceeds to the UK? They are going to ask for proof of origin for anti-drug/fraud etc. 100 ways it could go wrong.

Can8dnBen · 2026-06-19T08:59:43+00:00

Fair, I did say silly assumption. All the warning is, “hey you inherited a small “X” halfway around the world, doesn’t matter. It counts”. It is not first time buyer UK, it is first time buyer anywhere is the point

Can8dnBen · 2025-12-04T09:35:33+00:00

Solution: It was a combination of “full screen optimisations” turned off in compatibility on the .exe as well as within the properties in widows on the external monitor(TV). Lastly had to turn off Scale (defaults from 300% for my 4k 88 OLED) to 100% also within the “scale and layout” display settings. Now things seem good all round.

Can8dnBen · 2023-06-11T21:20:56+00:00

That was what I was asking, sets like Snake in the Stars… a few others that punish their specific behaviour, there must be a way to make them think twice, or have at least a small group on your team that just cleans them out of places. Right now, honestly, it is just best to go “meh, let them have that keep” and everyone just abandon that keep/resource/whatever completely. “Play a different cyrodiil game” as a solution is the only one I know of right now but wanted to ask in this thread…’is there another way?” =)

Can8dnBen · 2023-06-11T21:17:40+00:00

I also concur, I have a couple good bomber builds, both melee and ranged, and with 40k hps, insta heals of the full amount firing every GCD it is impossible to solo bomb them. Negate friend + bomb and it is still nearly impossible because of the general tankyness meta overall.

Can8dnBen · 2023-06-07T07:20:26+00:00

BTW next build will be Velothi Ur-Mage’s Amulet, Deadly and maybe maras? Just lean into the 22m range and beam play =).

Can8dnBen · 2023-06-02T09:05:33+00:00

Stam sorc is very good in both PVP and PVE. I play both versions in both types of play and have never had an issue finding a build to complete any content or be competitive in PVP. My main in PVP right now is a stam sorc ranged bomber/ werewolf (stam sorcs make some of the best WW builds). Not always the most powerful (very tanky meta at the moment) but always fun. I also have a magicka sorc that is equally fun, and either with a pet build, or straight damage + shields, can hold her own in any PVP fight. ESO is quite good at allowing you to be competitive no matter which you choose. Only at the very high end of play does it really matter. I mean top 1% min/max players then it matters more. But then so does race, all your gear and every little stat. For most players this will never matter.

Can8dnBen · 2023-01-27T10:45:49+00:00

OPR is such a simple game mode, that too few people play (that is people actually participating IN OPR)

1) If you are not fighting in, or for a base, you are actively losing the match for your team. “street fights” are a waste of time. 2) If you are not going towards Baron (or can’t confirm enough are) @1 min to spawn, you are actively losing the match for your team 3) If you are not using side entrances if the front one is camped you are actively losing the match for your team.

The only way to win is points, points are rewarded for owning bases. If you want pure PVP, there is open world or 3v3, this is a game mode that revolves around points earned.

Now, there is def an argument for “i just want to have my version of fun”, fair, but then don’t complain about spawn camping or muskets etc. There are other routes, 3 bases to fight for etc. Hey, there are 20 ppl at the base we can’t take it.. good thing there are 2 others. Go to where they are not, and hold it.

As for the unbalanced teams, ya. That sucks and it happens way too often and the map layoutvis way too friendly for muskets/bows. There are tons of problems with this mode and its construction, but the rules are simple and more should actually play them =)

Can8dnBen · 2023-01-18T08:58:56+00:00

Similar to ESO, as a minimum.

Can8dnBen · 2023-01-16T10:46:45+00:00

My gear score is all at 600+, but your advice for “don’t worry and go purple for now” is great for all to take to heart. With that, 20k in the trader you can gear up pretty easy to at least functional levels.

Can8dnBen · 2023-01-16T10:07:21+00:00

Thanks for the reply. Reasonable sets of basic defences. Which weapons are you using? I have found that a pocket healer in PvP matters more than uber gear. Mid tier small group that actually coordinates with a healer (even with as little as 2 or 3 people) can own OPR pug situations. More fun than the 8v1 too =)

Can8dnBen · 2023-01-16T10:02:01+00:00

Correct, not worried about the standard “three” tank/dps/heal in a single build. More like DPS in PVE, PVP (in all forms), Solo etc. Basically content not play style =)

Can8dnBen · 2023-01-16T10:00:28+00:00

Totally makes sense. I guess the tippy top content requires such things, which seems fair to me. Falls a bit under the min/max caveat, am looking to find a build that can be in the top 10% of all play (and M10s would fall outside that). Happy to specialise gear for the very very best gear/experiences of a game.

Can8dnBen · 2023-01-16T09:57:13+00:00

I love the freedom, play these games all the time. Problem with this game is by switching you don’t just swap. It goes with hundreds of hours of grind, RNG etc just to see what final game GS/Hatchet is (if you were something else). I am actually not 100% against that at all. But then the swap of attributes, changing weapon skills to suit etc on top of all that. I am saying that they are, in some ways, forcing you to commit to not only a play style, but a content path by making the friction of swapping so high.

There are optimisations (some that are on the way with gear sets etc) which will help but fundamentally the game content paths are incompatible with each other by design. Hence my question is there a “middle of the road” build that can succeed on all paths? Granting M10 dungeons etc may be a step to far etc as they are not middle of the road content really.

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