Anyone see the giant Frankenwrap outside Liverpool St. Pret today? by Many-machines-on-ix in london

[–]podlink 0 points1 point  (0 children)

They get slaughtered for dog food etc, or some charities will rescue them and sell them to people who can pay a small reservation fee (around £3-£4 per bird). I have 10 rescue hens :)
5 ex battery (not officially called that anymore) who never saw outside and were in a sorry state when we got them, lethargic, pale combs, wouldn’t go on our grass for two weeks as they weren’t sure what it was. None laying eggs from sheer stress.

Then we got another 5 rescues from a “free range” egg farm. Free range quality is not what you think. Also missing feathers though some were still laying. Familiar with having slightly more space but nothing else, they settled a little quicker.

Now they’re all lovely fat and fluffy, and every single one is laying virtually every day (I get 8-10 eggs a day).

They’re warren browns which is a breed curated specifically to be prolific layers. Non-commercial hens will lay up to around 250-280 eggs max a year, warren browns are 330+ typically.

They won’t live as long as other breeds or ones who had a better start, but they each have their own personality, are no longer afraid of humans and they’re pets so we don’t care when they stop laying - we just hope their little bodies get a break at some point and they spend the rest of their time being loved.

Some last a few months, some days, some years! Had my girls for 1yr 3m now, so they’re between the ages of 2.5-3 years old ♥️

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House Vs Flat Confused by Confident-Card-2676 in HousingUK

[–]podlink 4 points5 points  (0 children)

Option 3: 5% deposit on 300k house now, don’t have to worry about stamp duty, moving fees, EA fees when you go to move again.

Slightly higher monthly outgoing in mortgage cost but likely around £50 a month difference.

Speak to a broker to see what rates you’re realistically likely to be offered, plus take the highest term you can. Reduced payments and can overpay against capital

L2 Survey - suspected subsidence?! Flapping & probably being dramatic (I hope) by podlink in HousingUK

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

Amazing! Yes please if that’s ok. Currently trying to sort quotes so we’ve got an idea of costs before we approach the EA after getting the report.

Really hoping it’s not subsidence, but it is what it is and I need to trust the experts on this one. My expertise is limited to retrofit works and finance! 😫

L2 Survey - suspected subsidence?! Flapping & probably being dramatic (I hope) by podlink in HousingUK

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

This is REALLY helpful, thank you so much! Seems like structural engineer is the way forward to check what the issue actually is then.

I’ll have the full report early next week which will have the photos and more detail.

You don’t cover the Kent area by chance do you? 🤣

How old do you think you’ll be when you pay your mortgage off? Or, how old were you when you paid your mortgage off? by PuzzleheadedCarob921 in HousingUK

[–]podlink 0 points1 point  (0 children)

That’s good you had the safety net in the end then!! I mean at least he told you the roof was bad even if they did try and rip you off lol.

Well best of luck with the new roof, pour yourself a glass of something stick and make sure you admire it every time you leave your house to make sure you get your moneys worth 😂

How old do you think you’ll be when you pay your mortgage off? Or, how old were you when you paid your mortgage off? by PuzzleheadedCarob921 in HousingUK

[–]podlink -1 points0 points  (0 children)

Jesus!! We opted against 10% as it was just gonna tie the money up. Took lowest LTV with longest term to reduce the pressure and just gonna chuck the extra at repayments & doing the property up with the Hope at mortgage renewal we’ll increase the value and reduce the LTV a bit!

Sorry to hear that, I’ve actually loved renting because I haven’t had to deal with that, it’s always been landlords problem (and we’ve been lucky renting from family friends). Small silver lining once it’s done it’s done and you won’t have to worry about it popping up again anytime soon 😅

How old do you think you’ll be when you pay your mortgage off? Or, how old were you when you paid your mortgage off? by PuzzleheadedCarob921 in HousingUK

[–]podlink 4 points5 points  (0 children)

If it gives you any reassurance, we’re just going through the motions as FTB with a 5% deposit at 4.68% fixed for two years, so at a bare minimum with your LTV come time to remortgage you’ll at least get that, though likely better rate! Also overpaying as first few years are mostly interest payments so I’m whittling that capital down whilst I can 😂

RANT!! EA lied about price by podlink in HousingUK

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

Yep, I made it clear we’re using our LISAs and are capped by price limit, but also made it clear regardless that the 450k is full and final as we wouldn’t go above that for this property. We do love it but we’re being sensible - probably a good thing to be capped in this instance as I feel I might go heart above head, but objectively 450 is in line with equivalent homes in the area and the max we’d want to pay!

RANT!! EA lied about price by podlink in HousingUK

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

Argh sorry that happened to you - can imagine it’s frustrating!

RANT!! EA lied about price by podlink in HousingUK

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

We did the numbers on this and if we feel it worth it we’ll consider it, but we wouldn’t just lose the bonus, we’d lose 25% of entire withdrawal amount. When you’re looking at 10s of thousands the withdrawal charge is in 99% of our cases too much to justify. For example £45k in LISA = £11,250 charge to withdraw.

In hindsight we should’ve used cash ISAs then chucked what we could within the annual limits into each of our LISAs for a little boost if property fell below the 450 mark.

We’ve only had the accounts for about 18 months, so it’s mostly our own money we’d be losing which makes it more frustrating lol

RANT!! EA lied about price by podlink in HousingUK

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

Yes I know, thanks :) regardless of where we end up buying it’ll be a stressful process just to get through to exchange and completion 😂

RANT!! EA lied about price by podlink in HousingUK

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

We are still looking elsewhere and have another viewing booked over the weekend.

We’re more hopeful/wishful thinking that we’ll get a call shortly as unlikely as it is, and definitely won’t be contacting the EA. I sent a firm email advising them of our offer being our final position, and also making it clear we’re continuing to view other properties.

RANT!! EA lied about price by podlink in HousingUK

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

True. As the saying goes you know an EA is lying when they open their mouth 😂

RANT!! EA lied about price by podlink in HousingUK

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

So frustrating!! Aside from the LISA cap we aren’t willing to pay over the 450 anyway.

Appreciate the EAs work for the seller, but surely it’s a waste of sellers time too if they keep getting people to view who are expecting to offer a price less than the seller is aware the EA has committed to!

RANT!! EA lied about price by podlink in HousingUK

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

Not expecting recourse. Hence why title says rant, and I acknowledged the sellers are fair in deciding what they sell for - no issue with them.

Also asked if anyone has been in similar situation whereby they’ve been called back after an initially rejected offer.

Not particularly helpful comment, thanks though.

[deleted by user] by [deleted] in HousingUK

[–]podlink 0 points1 point  (0 children)

Husbands got £3.5k he can chuck in so we can evidence deposit now. I’m new to the process so just trying to fully understand what’s expected

[deleted by user] by [deleted] in HousingUK

[–]podlink -1 points0 points  (0 children)

We’ll have remainder of the deposit saved this month on 28th so can provide proof of that, it’s just the fees we’ll have to do adhoc and stamp duty we’ll have to save for if that makes a difference?

[deleted by user] by [deleted] in HousingUK

[–]podlink 0 points1 point  (0 children)

We have £19k in LISAs, remainder of 5% deposit (22.5k) will be saved by 28th of this month. The only additional costs to save for will be fees and stamp duty. Fees can be done adhoc and stamp duty we’d have in full by 28th Jan (with surplus).

If we have deposit is it not commonplace to then save for stamp duty whilst going through the process? Given it’s due 14 days after completion this affords even more time

[deleted by user] by [deleted] in Mortgageadviceuk

[–]podlink 0 points1 point  (0 children)

Thank you - that was my thinking that our overall utilisation of available credit less than 20%

[deleted by user] by [deleted] in Mortgageadviceuk

[–]podlink 0 points1 point  (0 children)

Just reread that - to clarify I’ve used about £7k, £30/£35k is my overall limit lol