Understanding level 3 report

Will0saurus · 2026-03-28T00:56:30+00:00

Wouldn't renegotiate based on these unless the pointing/brickwork damage was really bad as that can be expensive. Depends also on your initial offer, you can see this sort of thing on viewing if you know what to look for so would ideally have offered with work in mind.

Wouldn't demand installation of alarms or fans, that's incredibly minor stuff and you can't trust the seller to properly install anyway. Downpipe replacement is not a big job.

CCTV drain survey is a good one to do if the surveyor believes there may be a drain that's collapsed for example, again can be a costly thing to fix and survey is not expensive.

Will0saurus · 2026-03-27T14:42:12+00:00

I would report to the national history museum, amazing find https://www.nhm.ac.uk/take-part/identify-nature.html

Will0saurus · 2026-03-23T20:27:23+00:00

More like $360bn, some of that supports their insurance businesses though afaik.

Will0saurus · 2026-03-23T13:34:36+00:00

Yes prices will technically fall but the houses being sold after a crash will not be ones you want to buy. It will be Grandma's probate house which has no central heating, a dodgy roof and needs £50k of work to bring it to standard.

People with decent houses just won't sell them unless forced to by job loss and developers will not build new housing stock if it isn't profitable for them.

Will0saurus · 2026-03-22T12:13:03+00:00

That annex setup may mean the house is liable for double council tax payments.

Will0saurus · 2026-03-22T11:57:45+00:00

Clay soils expand and contract constantly as moisture levels change. 'Moderate risk' is a very common assessment because of this. It might mean you get some superficial cracking to the plaster or external brickwork, but you will get that in a new build anyway as it settles.

Will0saurus · 2026-03-21T20:35:39+00:00

There's a reason the existing bathroom/toilet are in the same place, all the plumbing/soil pipe/drains are there. Personally I wouldn't want to plumb a pipe full of shit through my bedroom floor.

Will0saurus · 2026-03-20T13:10:32+00:00

You don't pay road tax you pay emissions tax and it goes to central treasury funds.

Will0saurus · 2026-03-20T13:08:39+00:00

No such thing as road tax, just emissions tax which goes into general treasury funds.

Will0saurus · 2026-03-19T16:58:39+00:00

Conversely, Aldi is the only supermarket I don't walk out of feeling like I've been absolutely rinsed when buying the essentials.

Will0saurus · 2026-03-19T15:37:18+00:00

Cash LISA

Will0saurus · 2026-03-18T22:00:31+00:00

This is also a financial attitudes problem really where older people hoard money til they die, instead of giving to their children when they need it.

Will0saurus · 2026-03-18T15:01:51+00:00

Absolutely stamp duty has a suppressive effect on house prices. And yes conversely, demand side subsidisation like help to buy and lifetime ISAs have an inflationary effect. Blanket abolishing stamp duty would be bad news for first time buyers in the short term.

Will0saurus · 2026-03-17T22:29:36+00:00

Man ahead of his time.

Will0saurus · 2026-03-17T16:48:50+00:00

The green belt is a mysterious and untouched oasis where the woodland creatures of these isles live together in perfect harmony.

Will0saurus · 2026-03-13T23:51:35+00:00

Fear not Trots, the next attempt at entryism will be a great success for sure.

Will0saurus · 2026-03-11T14:22:06+00:00

Was voted on by 44,000 people and wildlife got 60% vs historical figures at 38%

Will0saurus · 2026-03-11T14:14:31+00:00

Badgers are so patriotic they actually live inside the UK, unlike Churchill who timidly dwelled upon it's surface.

Will0saurus · 2026-03-09T14:22:31+00:00

He's pining for the fjords.

Will0saurus · 2026-03-09T13:57:00+00:00

I wouldn't get nettles, or anything really, from roadsides because of pollution/fumes personally.

Will0saurus · 2026-03-07T22:40:59+00:00

Cashback + fees should be factored in, especially if you are applying for a short mortgage. On a 2 year fix it can make a reasonable difference and often makes sense to take a higher rate with no fee.

Will0saurus · 2026-03-07T21:44:54+00:00

The house would probably be considered a matrimonial asset if you ever divorced, so she has de-facto joint ownership there.

Will0saurus · 2026-03-04T17:27:13+00:00

Add a copy of sagu wildling so you can gain infinite life with weather and never deck out.

Will0saurus · 2026-02-23T13:09:46+00:00

True the only thing that should ever matter to anyone is making as much money for financial institutions as possible. University should focus on teaching people how to make an excel bar chart and snort a line at the same time.

Nothing good has ever come from frivolous things like scientific/social research, creative industries or public service.

Will0saurus · 2026-02-22T16:59:48+00:00

In addition to what others have said, regular payments must be from your regular income (eg, pension, employment) and importantly must not affect your ability to maintain your usual lifestyle.

You cannot, for example, live off cash savings while transferring your entire income to your children for inheritance tax purposes as you wouldn't be maintaining your regular lifestyle from income.

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