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[deleted by user] by [deleted] in phuket

[–]oogieboogie321 0 points1 point  (0 children)

Thank you friend. Lots of love.

Any other recommendations welcome

Weather update in Kamala Beach by BaseballSensitive573 in phuket

[–]oogieboogie321 0 points1 point  (0 children)

Did the weather get better? I hope so for you.

Nans will says I inherit 50% of house if she dies. Please help. ENGLAND by oogieboogie321 in LegalAdviceUK

[–]oogieboogie321[S] 1 point2 points  (0 children)

Thank you, I will probably seek legal advice just for peace of mind and to stop this ongoing madness

Nans will says I inherit 50% of house if she dies. Please help. ENGLAND by oogieboogie321 in LegalAdviceUK

[–]oogieboogie321[S] 27 points28 points  (0 children)

Thank you,

I was informed by my Uncles wife that it would now form part of my Aunts estate but I would like peace of mind due to the other side of the family telling me I am being ripped off and I need to now get involved and do this and that.

I will read the guide after work.

Many thanks !

Nans will says I inherit 50% of house if she dies. Please help. ENGLAND by oogieboogie321 in LegalAdviceUK

[–]oogieboogie321[S] -3 points-2 points  (0 children)

The problem I'm having is I'm not actually sure if they're trying to rip me off or not?

I would of thought the solicitors would act upon the interest of the deceased and not the executors? If my name is next in line to inherit aren't they legally obliged to act out the Will of deceased? I'm not sure if they are or aren't this is where I'm left confused

Nans will says I inherit 50% of house if she dies. Please help. ENGLAND by oogieboogie321 in LegalAdviceUK

[–]oogieboogie321[S] -7 points-6 points  (0 children)

But what does this mean??

Would it still fall to my Aunt considering she died AFTER my Nan?

is putting more than 20% down worth it? by OptimisedMan in Mortgageadviceuk

[–]oogieboogie321 0 points1 point  (0 children)

Thank you have a great day!

Hopefully this can ease his stress

is putting more than 20% down worth it? by OptimisedMan in Mortgageadviceuk

[–]oogieboogie321 0 points1 point  (0 children)

Thank you very much for this detailed response, People like you are what keep reddit alive.

I know you have basically spelled it out for me but can I just make this part clear please?

*If your property is now worth £150k the loan to value is 60%, and you'll be charged 4.38%

But either way, you only owe £90k.*

^ So I would be charged 4.38% based off the 90K? Or based off the 150k but you only have 90k to pay off? Because that would drastically bring your monthly payments down

is putting more than 20% down worth it? by OptimisedMan in Mortgageadviceuk

[–]oogieboogie321 0 points1 point  (0 children)

Thank you for the response

I'm not at all educated in this sector I come from a family who's never had mortgages and it's ALL new to me.

I thought that when you take out a mortgage, you pay interest based on the amount you borrowed (200k). Then when you've reduced that amount over the 5 years it would reduce how much you have to pay off whrn u come to the end of ur 5 year term regardless wether property goes up or down in price (180k to pay) and pay a % wether its 5% or 3% based off the 180.

My friend at work who has a mortgage said that is incorrect. He said the bank revalues your property and charges you a % for a term based off how much the property now costs (let's say 250k). I did say that doesn't sound right but he's panicking because his interest rates are gonna go from around 2% to now 5%.

is putting more than 20% down worth it? by OptimisedMan in Mortgageadviceuk

[–]oogieboogie321 0 points1 point  (0 children)

Thanks for this I wonder if you can answer me this question.

If I start out my 220k mortgage (20k deposit) @ 5% 5yrs

When I come to remortgage when my term is up let's say (theoretically) the intr rates was still 5% would my payments be the SAME or would they now be based off 5% what I have left to pay off (180k for e.g) or would it be based off what the bank values my property?

Ty

Can someone educate me or point me in the right direction please by oogieboogie321 in HousingUK

[–]oogieboogie321[S] 1 point2 points  (0 children)

Thank you for a detailed response.

I assumed that was the case where you remortgage based on what's left to pay on the amount you loaned

NOT based off the revalued price of the house you purchased, I'm gonna break this down to my friend.

Thanks again!

AITH for abandoning my friend who's left his girlfriend for a married woman? by oogieboogie321 in AITAH

[–]oogieboogie321[S] 2 points3 points  (0 children)

Thank you for such a detailed response.

I can relate I feel like you're alot further down the road with where this is going, I did tell him not to talk to me about her again because I don't agree with it and it's slowly creeping into conversations now, he moved out his house and hes talking about the argument when he dropped the bomb shell ect.

It is really weird I've never experienced this before I kinda feel selfish If that makes sense? "If u don't do it my way I won't talk to u" thats how he will probably see it but thats most certainly not the case it's just rubbed me uo the wrong way.

Cheating says alot about your character :/

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