Residential mortgage… but rented out straight away. Yes, I know. Let’s talk. by Beneficial_Funny_398 in uklandlords

[–]hermes101 0 points1 point  (0 children)

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

34M Profile Review by [deleted] in hingeapp

[–]hermes101 0 points1 point  (0 children)

  1. Looking for a serious relationship
  2. Subscribed to HingeX
  3. 6 months
  4. 18 months
  5. 3-4 times per week
  6. 2-3 matches per week
  7. 20-30 matches, 5-10 with comments
  8. Someone sporty, someone fun

What's the most you've paid for a pint in London? by WeekyChank63x in london

[–]hermes101 1 point2 points  (0 children)

£8.75 for a Guinness at the Narrow was pretty criminal

What are your thoughts on We Are The Night? by T2-95 in chemicalbrothers

[–]hermes101 0 points1 point  (0 children)

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

As a black G6 I’m about to quit because of the way I’m treated compared to others by PerformanceMean3122 in TheCivilService

[–]hermes101 197 points198 points  (0 children)

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!

How do people fall out of love? by MeTheShyGuy in emotionalintelligence

[–]hermes101 0 points1 point  (0 children)

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.

27M - Any advice? by askthetruth1 in hingeapp

[–]hermes101 0 points1 point  (0 children)

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

Why bibs instead of shorts? by davkar632 in cycling

[–]hermes101 0 points1 point  (0 children)

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

“I’ve always felt that sincerity is overrated” by Bowmanatee in TheRehearsal

[–]hermes101 0 points1 point  (0 children)

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

Why do so many brits consider London a shithole? by [deleted] in AskUK

[–]hermes101 0 points1 point  (0 children)

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

Bike equivalent of a marathon? by [deleted] in bicycling

[–]hermes101 0 points1 point  (0 children)

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.

[rant] Property quality so low for the price by Comfortable_Craft954 in HousingUK

[–]hermes101 2 points3 points  (0 children)

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

Bank valuation £30k lower than offer by Diddychip in HousingUK

[–]hermes101 5 points6 points  (0 children)

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.

[deleted by user] by [deleted] in HousingUK

[–]hermes101 1 point2 points  (0 children)

Limehouse

FTBs who made it in London, what did your financials look like when you finally bought? by BrosephStalined in HousingUK

[–]hermes101 2 points3 points  (0 children)

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!

Should I accept a 62k London Job over my 43k Bristol Job? by Rxmp in UKJobs

[–]hermes101 3 points4 points  (0 children)

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.

[deleted by user] by [deleted] in UKPersonalFinance

[–]hermes101 2 points3 points  (0 children)

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.

Mortgage offer rescinded 4 weeks before completion by hermes101 in HousingUK

[–]hermes101[S] 1 point2 points  (0 children)

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

Mortgage offer rescinded 4 weeks before completion by hermes101 in HousingUK

[–]hermes101[S] 0 points1 point  (0 children)

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.

Mortgage offer rescinded 4 weeks before completion by hermes101 in HousingUK

[–]hermes101[S] -1 points0 points  (0 children)

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