Mortgages and house moves...

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weeksy
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Re: Mortgages and house moves...

Post by weeksy »

Yorick wrote: Wed Sep 20, 2023 10:48 am Rent 2 rooms out on AirBnB
fuck no, i don't like humans :)
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Re: Mortgages and house moves...

Post by v8-powered »

Should be able to transfer current rate over to new property but the additional sum will be at a higher rate, basically end up with 2 mortgages running on same property.
Speak to you IFA / lender and see what they can do.....
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Re: Mortgages and house moves...

Post by Yorick »

weeksy wrote: Wed Sep 20, 2023 10:49 am
Yorick wrote: Wed Sep 20, 2023 10:48 am Rent 2 rooms out on AirBnB
fuck no, i don't like humans :)
It's worked well for us. Easy money and we vet the clients
We invite the nice ones back.
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Re: Mortgages and house moves...

Post by v8-powered »

weeksy wrote: Wed Sep 20, 2023 10:49 am
Yorick wrote: Wed Sep 20, 2023 10:48 am Rent 2 rooms out on AirBnB
fuck no, i don't like humans :)
Got to agree with you there!
We have a big house and only 3 of us living in it now, could make a good few quid renting rooms but would end up in murder!
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Re: Mortgages and house moves...

Post by Yorick »

v8-powered wrote: Wed Sep 20, 2023 10:55 am
weeksy wrote: Wed Sep 20, 2023 10:49 am
Yorick wrote: Wed Sep 20, 2023 10:48 am Rent 2 rooms out on AirBnB
fuck no, i don't like humans :)
Got to agree with you there!
We have a big house and only 3 of us living in it now, could make a good few quid renting rooms but would end up in murder!
We have the whole bottom floor apartment and they have their own patio in quiet part of garden

We often hardly see them.
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Re: Mortgages and house moves...

Post by dern »

weeksy wrote: Wed Sep 20, 2023 10:46 am
KungFooBob wrote: Wed Sep 20, 2023 10:44 am I'd buy that tomorrow if I had some way or earning a wage while sat by the pool!
I could sit there and it wouldn't change how i work in the slightest.

Yesterday was doing work on servers in Frankfurt, today is Amsterdam... tomorrow is UK, but i won't be going to site... i don't go to site these days.
We looked in to doing a similar thing as I work 100% remote and the tax is a pain if you're being paid in the UK. It's doable but complex. I seem to recall that you get taxed in the UK, then again in France and then you claim back the tax from the UK.
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Re: Mortgages and house moves...

Post by weeksy »

Yorick wrote: Wed Sep 20, 2023 10:57 am
v8-powered wrote: Wed Sep 20, 2023 10:55 am
weeksy wrote: Wed Sep 20, 2023 10:49 am

fuck no, i don't like humans :)
Got to agree with you there!
We have a big house and only 3 of us living in it now, could make a good few quid renting rooms but would end up in murder!
We have the whole bottom floor apartment and they have their own patio in quiet part of garden

We often hardly see them.
yeah it's still not for me... Whilst i'd happily have mates over, i don't want/need others. I just don't like the idea at all, even if it brought in extra income.
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Re: Mortgages and house moves...

Post by weeksy »

dern wrote: Wed Sep 20, 2023 11:01 am
weeksy wrote: Wed Sep 20, 2023 10:46 am
KungFooBob wrote: Wed Sep 20, 2023 10:44 am I'd buy that tomorrow if I had some way or earning a wage while sat by the pool!
I could sit there and it wouldn't change how i work in the slightest.

Yesterday was doing work on servers in Frankfurt, today is Amsterdam... tomorrow is UK, but i won't be going to site... i don't go to site these days.
We looked in to doing a similar thing as I work 100% remote and the tax is a pain if you're being paid in the UK. It's doable but complex. I seem to recall that you get taxed in the UK, then again in France and then you claim back the tax from the UK.
Company i work for has offices in France, relocation and being paid/change to in-country stuff is fairly common.
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Re: Mortgages and house moves...

Post by v8-powered »

Yorick wrote: Wed Sep 20, 2023 10:57 am
v8-powered wrote: Wed Sep 20, 2023 10:55 am
weeksy wrote: Wed Sep 20, 2023 10:49 am

fuck no, i don't like humans :)
Got to agree with you there!
We have a big house and only 3 of us living in it now, could make a good few quid renting rooms but would end up in murder!
We have the whole bottom floor apartment and they have their own patio in quiet part of garden

We often hardly see them.
I get irritated by the people in our BTL and that's 30 miles away and I havent been there for 6 years :lol:

We even have 2 front doors in out current home (previous owner was a hospital consultant surgeon and had a home office with a separate entrance) but even then I couldn't deal with knowing people were here.

Friends have a big house locally and have a detached double width and depth garage with an apartment built above, they do very well on AirBnB with that. Works well for some people, maybe me and the missus are just anti-social arses? :thumbup:
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Re: Mortgages and house moves...

Post by Yorick »

v8-powered wrote: Wed Sep 20, 2023 11:04 am
Yorick wrote: Wed Sep 20, 2023 10:57 am
v8-powered wrote: Wed Sep 20, 2023 10:55 am

Got to agree with you there!
We have a big house and only 3 of us living in it now, could make a good few quid renting rooms but would end up in murder!
We have the whole bottom floor apartment and they have their own patio in quiet part of garden

We often hardly see them.
I get irritated by the people in our BTL and that's 30 miles away and I havent been there for 6 years :lol:

We even have 2 front doors in out current home (previous owner was a hospital consultant surgeon and had a home office with a separate entrance) but even then I couldn't deal with knowing people were here.

Friends have a big house locally and have a detached double width and depth garage with an apartment built above, they do very well on AirBnB with that. Works well for some people, maybe me and the missus are just anti-social arses? :thumbup:
We're a mile from town, so the clientèle we get want a quiet place. And they're on holiday, so generally happy.

Only had 1 bad set in 7 years.

It's a nice easy £1,500 a month. Our only income till my pension kicks in.
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Re: Mortgages and house moves...

Post by Potter »

We have a self contained annex/granny pad, but I wouldn’t rent it out, family/friends stay if they visit but we moved to be away from people.

Back onto subject, the mortgage may or may not be portable but I’d also weigh up non-financial aspects and I’d still move if I really wanted to even if it was more.
That’s obviously a personal decision based on cost versus benefit.
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Re: Mortgages and house moves...

Post by Taipan »

Just dont move back to a flood plain. I remember how tense that got! :crazy:
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Re: Mortgages and house moves...

Post by weeksy »

Taipan wrote: Wed Sep 20, 2023 11:55 am Just dont move back to a flood plain. I remember how tense that got! :crazy:
LOL we live 50m from that house now.... The flood was caused by a road repair... OK, so it would've been crazy wet yes, but it should never have flooded and hasn't since they repaired the work done.
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Re: Mortgages and house moves...

Post by Horse »

Taipan wrote: Wed Sep 20, 2023 11:55 am Just dont move back to a flood plain. I remember how tense that got! :crazy:
Sister in Law bought a 5 acre water meadow (aka a field with a pretty stream) next to their house. Then were surprised one morning to find a 5 acre lake!
Even bland can be a type of character :wave:
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Re: Mortgages and house moves...

Post by Wossname »

weeksy wrote: Wed Sep 20, 2023 10:40 am
KungFooBob wrote: Wed Sep 20, 2023 10:34 am I'm more than happy with my house, the next move will be aboard, dunno where or when though.
https://www.rightmove.co.uk/properties/ ... l=OVERSEAS

This would suit me perfectly...

2hrs 30 to Morzine... perfect for racing/riding... pool, space... awesome.
That lot for £260k. Tempting…. How Alpy is it?
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Re: Mortgages and house moves...

Post by KungFooBob »

Wossname wrote: Wed Sep 20, 2023 1:11 pm
weeksy wrote: Wed Sep 20, 2023 10:40 am
KungFooBob wrote: Wed Sep 20, 2023 10:34 am I'm more than happy with my house, the next move will be aboard, dunno where or when though.
https://www.rightmove.co.uk/properties/ ... l=OVERSEAS

This would suit me perfectly...

2hrs 30 to Morzine... perfect for racing/riding... pool, space... awesome.
That lot for £260k. Tempting…. How Alpy is it?
Looks like this one...

https://maps.app.goo.gl/fcnic2cZjCEcPWe38
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Re: Mortgages and house moves...

Post by Taipan »

weeksy wrote: Wed Sep 20, 2023 11:57 am
Taipan wrote: Wed Sep 20, 2023 11:55 am Just dont move back to a flood plain. I remember how tense that got! :crazy:
LOL we live 50m from that house now.... The flood was caused by a road repair... OK, so it would've been crazy wet yes, but it should never have flooded and hasn't since they repaired the work done.
I had this vague memory of encroaching flood waters and pumps being set up and things getting worrying etc.
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Re: Mortgages and house moves...

Post by asmethurst99 »

dern wrote: Wed Sep 20, 2023 10:31 am
KungFooBob wrote: Wed Sep 20, 2023 10:29 am
weeksy wrote: Wed Sep 20, 2023 10:24 am

LOL we've been in the village 16 years and this house for nearly 8.
8 years, blimey.

I remember you moving in cos you were happy with the garage or something.

Iirc isn't the average move every 7 years.
Wouldn't surprise me. We've been where we are for 23 years and I'm fucking sick of the place :lol:
We are moving for the first time in 20 years - Our place sold for the asking price in hours - I cant wait to leave
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Re: Mortgages and house moves...

Post by weeksy »

Taipan wrote: Wed Sep 20, 2023 2:15 pm
weeksy wrote: Wed Sep 20, 2023 11:57 am
Taipan wrote: Wed Sep 20, 2023 11:55 am Just dont move back to a flood plain. I remember how tense that got! :crazy:
LOL we live 50m from that house now.... The flood was caused by a road repair... OK, so it would've been crazy wet yes, but it should never have flooded and hasn't since they repaired the work done.
I had this vague memory of encroaching flood waters and pumps being set up and things getting worrying etc.
It was yes, but as i say, it was because a company laying lines in the road had blocked the main drain with rubble, so the water backed up, but it too a while to diagnose as there was a lot of flooding going on in all areas.
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Re: Mortgages and house moves...

Post by Count Steer »

weeksy wrote: Wed Sep 20, 2023 11:57 am
Taipan wrote: Wed Sep 20, 2023 11:55 am Just dont move back to a flood plain. I remember how tense that got! :crazy:
LOL we live 50m from that house now.... The flood was caused by a road repair... OK, so it would've been crazy wet yes, but it should never have flooded and hasn't since they repaired the work done.
So, where to? I'm guessing not another 50m down the road. :D

Somewhere nearer BPW?
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