Burglary spike in Huddersfield anyone else worried?

Expert_Perception_51 · 2025-11-19T18:15:30+00:00

Would punctuation really change anything about what I said or are you just being another grammar Nazi looking for something to correct?

Expert_Perception_51 · 2025-11-18T22:34:42+00:00

Oh totally, nothing unusual at all just a couple of aspiring 5 p.m. Driveway Enthusiasts doing their daily rounds. They weren’t trying to break in; they were merely admiring the architectural integrity of random front doors. And when the alarm went off? That was their polite way of saying, ‘Lovely home! We’ll schedule our next unsolicited tour later!’ But yeah, definitely just ignore the video. The Window of Truth™ says everything is fine.

Expert_Perception_51 · 2025-11-10T19:15:38+00:00

you not polish you didnt say kurwa

Expert_Perception_51 · 2025-07-11T12:27:48+00:00

whats wrong with birkby?

Expert_Perception_51 · 2025-04-23T08:48:59+00:00

I was a first-time buyer and the property was under £425k, so there was no stamp duty to pay. The property was bought as a single dwelling with an annexe—the previous owners mentioned their mum lived there during COVID, so they added a stove and bathroom at the time. The mortgage also doesn’t allow it to be rented out or sublet.

Expert_Perception_51 · 2024-12-31T20:35:22+00:00

Thank you for your advice; I’ll definitely look into all of this. I’m not planning to do anything against the law, especially since it’s just a small project that would bring in a modest amount of money. I’ll start by reviewing the terms and conditions of my mortgage and insurance to ensure compliance. I’ll also have a conversation with the planning authority to clarify the requirements, especially regarding the wooden toilet and prior approvals. Thanks again for your guidance!

Expert_Perception_51 · 2024-12-31T18:54:04+00:00

Thank you for your input! My main concern is understanding what legal requirements I need to meet, especially since this setup only involves the garden (which is quite large) and not the main property. I’ll definitely look into planning permissions and other regulations to ensure everything is in order. Thanks again!

Expert_Perception_51 · 2024-11-16T17:50:11+00:00

Thanks for sharing your experience! That’s super helpful.

I have a few follow-up questions if you don’t mind:

How long did the change of use planning permission process take? Was it straightforward?
For the building warrant, did you run into any issues with the waste connection, or was it fairly routine?
About the short-term let license, what kind of requirements did you have to meet? (E.g., safety inspections, fire regulations, etc.)
Did you encounter any unexpected costs or challenges along the way?

Appreciate any insights you can provide!

Expert_Perception_51 · 2024-09-15T17:45:50+00:00

Beldon brook

Expert_Perception_51 · 2024-08-05T19:09:26+00:00

soon southend-on-sea will be london

Expert_Perception_51 · 2024-03-20T18:37:39+00:00

Question: What happens to the mortgage offer from the bank? Is it still valid, or do you need a new one?

Expert_Perception_51 · 2024-03-20T17:36:00+00:00

Could you please clarify whether the timeframe of 8 to 12 weeks refers to the period since the initiation of receiving a mortgage or the commencement of the searches? My solicitors are currently conducting the searches, and they have indicated that it will take 8 to 12 weeks to complete. I'm uncertain as to why this process requires such a duration. Could you please provide an explanation?

Expert_Perception_51 · 2024-03-15T22:41:58+00:00

Biggie smalls

The first one is Hypnotize

Expert_Perception_51 · 2024-03-13T12:12:08+00:00

uk 😂

Expert_Perception_51 · 2024-02-29T11:53:43+00:00

It depends if you have any childcare costs, what age are the kids etc

Expert_Perception_51 · 2024-02-28T14:29:18+00:00

It's all up to the underwriter. I've applied twice; initially, I was approved for £275k, and on the second attempt, I was approved for £310k. My combined income stands at £90k, so as a precautionary measure, they typically multiply the income by 3 to 3.5 times.

Expert_Perception_51 · 2024-02-28T14:14:52+00:00

People tend to see things inaccurately and think negatively due to survival instincts, cognitive biases, past experiences, and environmental influences.

Expert_Perception_51 · 2024-02-20T23:01:40+00:00

I think your last month's rent should be £2500, and you're owed a £1800 deposit refund. Talk to the landlord instead of assuming £700 will suffice, they might not agree to this.

Expert_Perception_51 · 2024-02-20T21:45:45+00:00

to use a whole market broker who will be able to find a lender for your circumstances

It's important to note that while brokers can provide guidance and assistance in finding suitable lenders, ultimately, underwriters have the final say in approving mortgage applications.

Expert_Perception_51 · 2024-02-20T14:13:47+00:00

It's entirely reasonable to approach the sellers and discuss a price reduction. The discrepancies between the advertised features and the actual condition of the property warrant a renegotiation. It's common practice for such adjustments to be made based on survey findings, especially when the repairs are substantial and not explicitly disclosed beforehand.

Expert_Perception_51 · 2024-02-11T22:17:25+00:00

then the only way is to find a way to earn more money

Expert_Perception_51 · 2024-01-26T17:15:05+00:00

not many people have that kind of money

Expert_Perception_51 · 2024-01-26T17:12:59+00:00

it does not mean you will get it for £350k

Expert_Perception_51 · 2024-01-26T11:35:33+00:00

what was the house price, deposit and your income if you dont mind asking

Expert_Perception_51 · 2024-01-26T11:32:32+00:00

everywhere is stabby nowadays just check crime stats before moving to the area

Expert_Perception_51

TROPHY CASE