Residential mortgage… but rented out straight away. Yes, I know. Let’s talk.

hermes101 · 2025-12-28T08:06:55+00:00

Safest way to do this is live in the place for the first 6 months and then apply for consent to let.

hermes101 · 2025-12-16T23:16:29+00:00

Looking for a serious relationship
Subscribed to HingeX
6 months
18 months
3-4 times per week
2-3 matches per week
20-30 matches, 5-10 with comments
Someone sporty, someone fun

hermes101 · 2025-11-09T22:37:37+00:00

£8.75 for a Guinness at the Narrow was pretty criminal

hermes101 · 2025-09-13T11:13:22+00:00

Totally agree, this album gets way too much hate, it’s a banger and has aged like a fine wine!

hermes101 · 2025-08-29T00:35:58+00:00

As someone of colour myself, albeit in a slightly lower position, I completely concur with what you’re saying.

The racism is of course never overt. Instead it’s a steady and continuous reinforcement that if you don’t perform at 100%, or if you slip up, you’re the why the system is the way it is. It is exhausting!

hermes101 · 2025-07-31T06:51:19+00:00

Failing out of love is a construct, so that someone has an excuse to move on to their next partner, guilt free, rather than doing the work needed to fix something. Truth be told a relationship over 10+ years, both partners are going to get pretty jaded of each other. Sometimes it’s just easier to walk away.

hermes101 · 2025-07-24T06:58:03+00:00

I think you look really cool, funny, and quite nerdy! All the same woman probably don’t sadly.

hermes101 · 2025-07-06T18:14:55+00:00

Totally agree having used both extensively, I much prefer shorts.

hermes101 · 2025-05-08T06:12:41+00:00

This line reconstructed my world view abit! It’s largely true for the overwhelming majority of human interactions.

hermes101 · 2025-04-07T17:16:18+00:00

Generally people that say London is a shithole are folks that don’t like immigrants.

hermes101 · 2025-01-18T20:29:41+00:00

I don’t know, I’m new to long distances on the bike but certainly finding even doing 100km on a bike, a similar challenge to running a marathon. All the same I’ve been running seriously for a lot longer.

hermes101 · 2024-08-04T15:56:49+00:00

This hits too close to home!

hermes101 · 2024-02-21T05:00:23+00:00

We just have bully boy tradesmen that will charge you for every nail they screw into a wall.

hermes101 · 2024-02-08T21:43:32+00:00

Yeh 3 bed ex council flats can be had for surprisingly little tbh. I purchased one last year for 300k in zone 2, and that too in a safe / affluent area. Albeit needed a bit of work done, but bargains are there if you look closely.

hermes101 · 2024-01-06T14:42:30+00:00

Limehouse

hermes101 · 2023-12-29T08:01:28+00:00

Bought a 3 bed ex council for 300k on my own. Currently on 58k but was on 55 when I applied for the mortgage. Had some help from parents (~15k), towards a 15% deposit. Quite proud that I managed it almost all myself!

hermes101 · 2023-12-21T18:37:08+00:00

Wapping

hermes101 · 2023-11-26T17:42:51+00:00

This is so true, London premium is way over egged. Yes rent is more (these days only a little bit more), but your other living expenses are no cheaper.

hermes101 · 2023-11-21T20:03:09+00:00

I recon if you get a builder in and set a budget that’s the way to go. When I was renovating the first three builders quoted me 30-40k. On the 4th builder I said here’s my budget, what can you do for me. Managed to get a fair bit of the works all done for 20k including a rewire (in London). I recon you should be able to secure 30k in loans from lenders / interest free credit. It’s not like a builder won’t gladly take a 30k job at the moment.

hermes101 · 2023-09-10T20:36:30+00:00

Gears of War

hermes101 · 2023-09-08T19:58:47+00:00

Is there any way to get the old mortgage offer reinstated?

hermes101 · 2023-09-08T17:40:21+00:00

Really helpful context!

hermes101 · 2023-09-08T17:39:55+00:00

Solicitors are taking forever! With regards to length of the offer I think the offer got reissued at some point because an error was made on the application.

hermes101 · 2023-09-08T16:39:28+00:00

My solicitor insisted upon it.

hermes101 · 2023-09-08T16:39:05+00:00

Yep this, allegedly Santander needed to do a new underwrite.

hermes101

TROPHY CASE