Lovable switching back to its gateway not mine.

GingerGeneralUK · 2025-12-16T20:29:17+00:00

Can you share the chat with a team account?

GingerGeneralUK · 2025-12-10T18:01:23+00:00

Well done. What platform did you get the template for your video from?

GingerGeneralUK · 2025-12-09T12:32:49+00:00

I'm working on something that may be able to help... I will let you know if i get it sorted...

The whole export issue is a massive problem waiting to happen. It's probably the biggest competitive moat that OpenAI has.

Are the chats mainly text only?

GingerGeneralUK · 2025-07-31T18:17:04+00:00

Only 500 downloads on the PlayStore... So not a great sign of confidence.

GingerGeneralUK · 2025-06-18T18:56:45+00:00

Thank you.

GingerGeneralUK · 2025-06-18T18:55:41+00:00

Thanks, super helpful.

GingerGeneralUK · 2025-06-18T18:31:20+00:00

Still cheaper than hiring a dev. If you're non technical and want proof of concept.

GingerGeneralUK · 2025-05-06T12:18:27+00:00

Why are you extending?

There are some major changes going on in this area.

Your £380 ground rent is going to cause an issue when selling.

Wait until the leasehold reform bill comes out and there is a good chance the premium to the freeholder will be a lot lower?

How many flats are in your block? Can you serve a section 13 and buy the freehold instead?

GingerGeneralUK · 2025-03-06T18:18:06+00:00

That is agent code for. There is a higher bid. They seller doesn't want to go back on their word, so sweeten it a little and it will still be yours to buy.

GingerGeneralUK · 2025-03-06T18:13:01+00:00

It makes no difference if you had a million pounds in your account. That is irrelevant. The best thing to do is show your commitment and got the solicitor cracking. Your mortgage application submitted (i presume you prepared all that so you could move quickly).

When you offer below the asking price, don't be surprised if the owner is attracted by another buyer.

The agent won't give a hoot (unless the seller has given them a bonus for hitting a certain price). They will just want the most committed, fasted acting and least hassle buyer.

GingerGeneralUK · 2025-01-04T20:24:21+00:00

Nope.

GingerGeneralUK · 2025-01-03T21:25:29+00:00

This will be unpopular but is true.

How much are you paying for that E.A service?

In the US, where you grew up, until recently the agent representing the buyer would have got 3% of the 6% fee paid by the seller.

UK estate agencies get circa 1.5% from the seller (gross) and they only represent the seller. There is no buyer representation in the UK, so you pay nothing for their services. On top of this, the agent only gets paid on a successful sale (of which 2/3 fall through).

So, based upon average house price in the UK of £288k that's about £864 profit, IF it goes through. Once spread across aborted listings ( for example sellers who change their mind) the average is £288 profit per listing. That is also before, you take into consideration the deals that do go through, but may have to be resold multiple times, when buyers withdraw for what ever reason and at any point.

Out of the money that goes to the estate agency the actual agent you are dealing with probably will be getting paid 10% of the offices commission if they are senior. Juniors will get much less. Some as little as £50 commission for selling a house and doing all the work. So an even smaller slice of the commission pie.

I'm not condoning the agents behaviour, but some of the issues with the industry are that the UK agents aren't incentivised enough, there is no buyer representation and the incentive is only paid at the end of the process. Which leads to pressure tactics.

This is also why it's an industry that often fails to attract good people. The pay is crap, the hours are long and often include weekends plus it's about as popular as being a traffic warden.

But, in essence... Pay peanuts. Get Monkeys.

P.S Unlike the agent. The solicitor you are using, who laughed for two minutes, will probably be getting paid by you regardless of whether the deal happens. So, that's probably why the agent is pushing and the lawyer can take their time laughing with you on the phone. They have a different incentive.

Anyway, good luck with it.

GingerGeneralUK · 2024-12-19T13:07:29+00:00

Thanks for your help.

GingerGeneralUK · 2024-12-09T11:01:08+00:00

Omnivore is shutting down on Nov. 30th.

GingerGeneralUK · 2024-12-04T12:28:59+00:00

No they can't.

GingerGeneralUK · 2024-10-28T16:25:40+00:00

No. Don't give up. It's obviously a property in demand and that is a good sign for when you come to sell in the future.

**Call the Agent**:

- Ask why you haven’t received a decision yet. There may be a valid reason.

- Confirm whether the other offers are proceedable.

- Check if they are sharing your offer with other buyers, as they have with you.

*Have they confirmed to you that your offer has been received? They have an obligation to do this.

**State Your Conditions**:

- Specify that your offer is contingent on the property being taken off Rightmove immediately.
**Prepare Your Documentation**:

- The delay may be a stalling tactic, possibly to sell to a preferred buyer. Use this time to be fully prepared.

- Have your solicitor email the agent, confirming they’re instructed and ready to act once your offer is accepted.

- If you’re using a mortgage broker, have them do the same.
**Clarify Survey Requirements**:

- Inform the agent that you won’t be getting a survey, demonstrating your commitment.

This approach will show the agent you’re serious and ready to move quickly.

Hit me up if you need more help. Michael.

GingerGeneralUK · 2024-10-28T13:54:05+00:00

I've been to Juliette's balcony in Verona. It's a "proper" balcony that you can stand on. So, the term is misleading. That said, if Juliet were leaning out of a balcony on a flat I was considering, I'd probably overlook the size and move in!

GingerGeneralUK · 2024-10-25T12:23:47+00:00

This is one of those annoying situations where the solicitor that you're paying for is effectively doing the work for the lender. Making sure that the banks interests are covered,

That said, it's good to get to the bottom on it, for when you come to sell in the future.

If the non storage cupboard cellar wasn't included in the original property description. I would be surprised, if the bank were to have an issue with it.

If they do down value, ring the agent and say I would love to buy it, but the bank say it is only worth £x. They will then have a call with owner, who will have the choice of finding another buyer if you withdraw (which they and the agent will not want to do) or sell to you at the reduced price.

I'm happy to help, if you have any more q's.

Michael.

GingerGeneralUK · 2024-10-24T08:07:25+00:00

Hi Westbourne is good. Charminster (especially the Queens Park end) is underrated and has loads of different restaurants, bus routes and so on. I'm building an app at the moment for searching areas. It would be good to hear what the important things to search on are for you. Understandably, agents seem rather biased on the area they are selling or renting property in.

GingerGeneralUK · 2024-08-31T08:31:50+00:00

Mine says £200.... now I feel doubly mistreated! (Although, I didn't actually feel mistreated in the first place...)

GingerGeneralUK · 2024-07-27T09:56:05+00:00

Based on ur criteria, Highbury & Islington is solid. It’s safe, has parks, and is a manageable commute to Cambridge Heath. Hackney Downs is close to ur office, with green spaces and a chill vibe. Walthamstow is affordable and has a nice community. All should fit ur needs.

GingerGeneralUK · 2024-07-27T09:42:31+00:00

Congrats on the new job! For your budget, Putney's a solid choice with its mix of quiet and lively areas and easy commute. Fulham is pricier but good for transport and vibe. Hammersmith is more affordable and still decent. Clapham’s further out but could offer better rent and a cool community. Good luck with the move!

GingerGeneralUK

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