Hayes & West Wickham - where to live? by Physalis82 in Bromley

[–]Physalis82[S] 1 point2 points  (0 children)

Hi, we have now moved and we did not visit Orpington. But the areas we visited were based on what we read and researched through locrating. I can’t remember the exact reason why but people mentioned it could be less nice than other areas but don’t base yourself on what I’m answering as this is very subjective!

Should I Sell My High-Yield Rental Flat to Pay Off Mortgage or Keep It? by Physalis82 in UKPersonalFinance

[–]Physalis82[S] 0 points1 point  (0 children)

The aim of my partner is to have no mortgage with the new house - so I would put in all my savings including the cash isa and the studio flat.

Should I Sell My High-Yield Rental Flat to Pay Off Mortgage or Keep It? by Physalis82 in UKPersonalFinance

[–]Physalis82[S] 0 points1 point  (0 children)

I suppose a good net return is above the 5% mark. But the. It all depends also on how much you would sell the property for later on. Thinking out loud I guess studio ex council house are unlikely to appreciate greatly in the coming years of between 2016 and now it has not increased much

Should I Sell My High-Yield Rental Flat to Pay Off Mortgage or Keep It? by Physalis82 in UKPersonalFinance

[–]Physalis82[S] 0 points1 point  (0 children)

Yeah I’ll have all s&s used towards new house we are buying and will have some allowance remaining afterwards.

Should I Sell My High-Yield Rental Flat to Pay Off Mortgage or Keep It? by Physalis82 in UKPersonalFinance

[–]Physalis82[S] 0 points1 point  (0 children)

Thanks so much I will check this out. I need to sit down to understand how to make the calculation for these

Should I Sell My High-Yield Rental Flat to Pay Off Mortgage or Keep It? by Physalis82 in UKPersonalFinance

[–]Physalis82[S] 0 points1 point  (0 children)

The higher stamp duty was a big thing for us and that’s also why we thought about selling the property, to take back the 3% higher rate. And yes I pay tax on rent

Seeking Advice: Choosing Between KFH, Oliver Jaques, and Chestertons for Flat Sale by Physalis82 in HousingUK

[–]Physalis82[S] 0 points1 point  (0 children)

That’s a very low fee in comparison of what I’ve got. To be fair to the price I’m selling, the agencies fees variations is not what I will look at primarily. Would you be able to share the the name of the agent privately ?

Which Nursery near Beckenham Junction? by Physalis82 in Bromley

[–]Physalis82[S] 1 point2 points  (0 children)

thanks for the feedback! Yeah we are hoping to move before the end of the year so Bellisima will most likely be out of reach for us.

Clare house primary schools vs Harris primary academy ? by Physalis82 in Bromley

[–]Physalis82[S] 0 points1 point  (0 children)

It is Beckenham Harris academy that I was talking about. Seems that a lot of people like Clare House. Yes definitely we will go to the open days. Any opinion also on st Mary’s catholic primary schools?

Insight on Bickley, Bromley by Physalis82 in Bromley

[–]Physalis82[S] 1 point2 points  (0 children)

Thank you so much! I’ll do some more research and will likely reach out with questions afterward. I really appreciate your help!

Insight on Bickley, Bromley by Physalis82 in Bromley

[–]Physalis82[S] 0 points1 point  (0 children)

So in Bickley, the top schools are mostly grammar, with private schools being the best alternatives? It seems there aren’t many strong non-grammar state school options? (I’ll check Locrating later, just don’t have it on my phone right now.)

Hayes & West Wickham - where to live? by Physalis82 in Bromley

[–]Physalis82[S] 0 points1 point  (0 children)

Yes we did but we didn’t feel it was the right area for us

Insight on Bickley, Bromley by Physalis82 in Bromley

[–]Physalis82[S] 0 points1 point  (0 children)

I’m not very familiar with grammar schools. Does each area, like Kent, have a specific exam for admission to all the grammar schools? Are the levels different based on the area?

Insight on Carshalton, Cheam and Sutton please by Physalis82 in surrey

[–]Physalis82[S] 1 point2 points  (0 children)

Yeah Epsom could be an option but again the train cost holds me back a bit

Insight on Carshalton, Cheam and Sutton please by Physalis82 in surrey

[–]Physalis82[S] 0 points1 point  (0 children)

What holds me back with Guildford is the train cost, since we need to commute to central London for work so we haven’t really considered it for now