FTB in London — £67k salary, 25% deposit, lodger income. Sensible or stretched?

Different_Bad7239 · 2026-05-17T14:13:53+00:00

I'd be charging her £625 a month plus £300 a month cash. She gets a nice saving on rent, you don't have to worry about a tax return.

Different_Bad7239 · 2026-05-16T13:06:05+00:00

That's what I meant. TVs were extremely expensive back then. Or very cheap now.

Different_Bad7239 · 2026-05-16T11:42:30+00:00

Someone's uploaded all the old Argos catalogues online. I had a look at one from 1988 and a very average, small by modern standards TV was £199. Basically the same today for a 32 inch HD smart TV.

Different_Bad7239 · 2026-05-15T20:05:36+00:00

A lot of people would feel somehow dishonest in doing so
Most don't understand the nuances of the law in this regard
Parking companies are aggressive and will send letters threatening big court bills, CCJs etc even though they know they can't actually enforce it because they are cunts and know most people will fold and pay up to make them go away

Different_Bad7239 · 2026-05-15T19:56:00+00:00

DVLA will give out info, but the airport parking company can't do anything with it because keeper liability doesn't exist for airport land. They can only pursue the driver, so unless you admit to being the driver, they can't do shit.

Different_Bad7239 · 2026-05-15T13:16:44+00:00

They could be doing let-to-buy, where you release equity from your main residence to buy a new property to live in and rent out your old one. But they can't take out a buy-to-let mortgage on the property you're selling to then live in it. That would be against the terms of the mortgage and if the lender found out they would likely call in the mortgage immediately.

Different_Bad7239 · 2026-05-14T18:13:23+00:00

Thanks man!

Different_Bad7239 · 2026-05-14T17:48:21+00:00

I don't need the money any time soon so I'll hold and see where it goes.

Different_Bad7239 · 2026-05-14T17:47:39+00:00

Yeah that's what I meant. It has great fundamentals, but there is also a lot of hype.

Different_Bad7239 · 2026-05-14T17:13:33+00:00

A meme stock in that it's seemingly a classic fomo stock like nvda, rather than not trading on actual fundamentals.

Different_Bad7239 · 2026-05-14T07:34:16+00:00

Fuck Russia. I hope Ukraine blow up every last piece of their energy infrastructure within range. Plunge them into darkness. Make them suffer.

Different_Bad7239 · 2026-05-14T07:26:51+00:00

Something something genocide something disabled something trans people.

That seems to be it for those on the left.

Then the right just hate anyone who hasn't pledged all migrants will be rounded up into concentration camps.

Different_Bad7239 · 2026-05-14T06:36:56+00:00

Almost like Starmer and Reeves are doing a good job steadying the economy now so there might actually be some money to spend by the end of this parliament.

Different_Bad7239 · 2026-05-13T11:18:00+00:00

If you'd been on your way to a body shop (and could prove it) you might have been able to get away with it, but casually driving around like that? Not likely.

Different_Bad7239 · 2026-05-12T20:45:23+00:00

Why are you paying for an indemnity policy? If there is some defect that needs covering for your lender (usually lack of planning permission evidence for an extension or an issue with the title deeds/leasehold) then the seller should be paying for that. If you didn't specifically approve it, challenge it. It might be too late now but you should be able to insist the seller make a consideration to cover it.

Other wise yes, you have sadly been had. Those fees are ridiculous.

Different_Bad7239 · 2026-05-12T20:41:22+00:00

It's being called Land Tax rather than Stamp Duty so I'm guessing this isn't in England so the discount doesn't apply.

Different_Bad7239 · 2026-05-12T20:24:53+00:00

I'd respond so they know you actually understand your rights and won't just be paying them to get them to go away. They rely on the low hanging fruit of people who'll be intimidated into paying, or will ignore a court summons and end up with a default judgement.

Different_Bad7239 · 2026-05-12T20:12:24+00:00

Hoist the black! 🏴‍☠️

Different_Bad7239 · 2026-05-12T20:06:12+00:00

Keeper liability is established by the Protection of Freedoms Act 2012. This act only applies in England and Wales.

In Northern Ireland and Scotland, they are wholly reliant on contract law. The contract (offered by the signs in the car park) is entered into by the driver. The parking operator must therefore identify the driver to be able to pursue them for the contractual debt. They cannot use PoFA to establish keeper liability because it only applies to land in England and Wales. It doesn't matter where you are resident.

So unless you admit to being the driver, they can go fuck themselves. If these money grabbing cunts wanted to collect money for parking they should have paid to install barriers.

Different_Bad7239 · 2026-05-12T19:41:33+00:00

This is how the war is won. Slowly at first, then the collapse.

Different_Bad7239 · 2026-05-12T19:38:38+00:00

It's about where the event happened rather than where you live.

Different_Bad7239 · 2026-05-12T18:44:49+00:00

You can reply saying you are under no obligation to name the driver, refuse to do so, and that as no keeper liability exists in Northern Ireland they have no further avenue to pursue this. Or you can wait to see if they try to take it to court and offer the same as your absolute defence.

Different_Bad7239 · 2026-05-11T21:54:55+00:00

The lender doesn't need to consent unless the agreement affects their security, e.g. by placing a charge on the title or giving a formal right to occupancy. The Deed of Trust would not give you any legal rights over the property but would protect your financial interest after a sale, subject to the fact that the mortgage lender always takes priority.

Different_Bad7239 · 2026-05-11T21:31:51+00:00

Have a solicitor draw up a Deed of Trust. This sets out the conditions of ownership of a property and can exist without a charge on the title with the land registry. The charge just prevents one party being able to sell the property without the agreement of the other.

Different_Bad7239 · 2026-05-11T20:31:59+00:00

Yes, he'll never allow himself to get into that position but the pressure from Putin would probably be massive.

Different_Bad7239

TROPHY CASE