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timark_uk
Moderator
Joined: Thu Apr 23, 2009 6:11 pm
Posts: 12143
Location: Belfast
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| Tue Mar 01, 2011 6:57 pm |
 
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pcernie
Legend
Joined: Sun Apr 26, 2009 12:30 pm
Posts: 45931
Location: Belfast
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Don't give me that - you know damn well you'd spend half an hour dancing round a Hula-Hoops multipack to get the shot 'just so'  _________________Plain English advice on everything money, purchase and service related:
http://www.moneysavingexpert.com/
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| Tue Mar 01, 2011 7:59 pm |
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davrosG5
I haven't seen my friends in so long
Joined: Fri Apr 24, 2009 6:37 am
Posts: 6954
Location: Peebo
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It very much depends on where you live. Don't forget you need to factor in a few extras if you are buying: A deposit Buildings insurance Some sort of life insurance (you're unlikely to get at mortgage without it) If you are particularly paranoid - some sort of cover for the heating/electrics/water supply Still, happy house hunting.
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When they put teeth in your mouth, they spoiled a perfectly good bum.
-Billy Connolly (to a heckler)
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| Sun Mar 06, 2011 10:53 am |
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pcernie
Legend
Joined: Sun Apr 26, 2009 12:30 pm
Posts: 45931
Location: Belfast
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 I don't think I know anyone over here who mortgaged with those 
_________________Plain English advice on everything money, purchase and service related:
http://www.moneysavingexpert.com/
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| Sun Mar 06, 2011 1:37 pm |
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brataccas
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 9:14 pm
Posts: 5664
Location: Scotland
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@Al: I dont blame your son from running from that poor excuse that they call a "school"? I heard its got a lot stricter, that building has so much mismanagement, corrupt teachers and unfortunately its shared with all the vermin from burghead and hopeman etc making it worse  horrid horrid place... _________________
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| Mon Mar 07, 2011 3:11 pm |
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adidan
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 9:43 pm
Posts: 5048
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I've never known anyone to need that for a mortgage... This a new thing?
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Fogmeister I ventured into Solitude but didn't really do much.
jonbwfc I was behind her in a queue today - but I wouldn't describe it as 'bushy'.
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| Mon Mar 07, 2011 4:32 pm |
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jonbwfc
What's a life?
Joined: Thu Apr 23, 2009 7:26 pm
Posts: 17040
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Actually, it's an old thing. When I took out my first mortgage um.. 15 years ago, taking out their life insurance (so they got their money back if I carked it) was a condition of the deal. However I think a few years ago it was found to be legally indefensible to 'bundle' life insurance with long term loans. Nowadays the loan agreement can require you to take out insurance to cover the possibility of default, but they can't insist on it being their insurance, and they can't insist on it being life insurance rather than simple repayment insurance. Jon
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| Mon Mar 07, 2011 4:53 pm |
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adidan
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 9:43 pm
Posts: 5048
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Weird, I worked for a bank in the early 00's and our mortgages never had that as a requirement.
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Fogmeister I ventured into Solitude but didn't really do much.
jonbwfc I was behind her in a queue today - but I wouldn't describe it as 'bushy'.
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| Mon Mar 07, 2011 5:41 pm |
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davrosG5
I haven't seen my friends in so long
Joined: Fri Apr 24, 2009 6:37 am
Posts: 6954
Location: Peebo
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When a friend and I had a mortgage from the Halifax about 3/4 years ago we had to get various sorts of insurance in order to qualify for the deal. It didn't have to be the Halifax's own product but we needed to be able to demonstrate we had it.
I guess the life assurance part was to cover them if one of us died as we weren't related/married so there was greater risk.
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When they put teeth in your mouth, they spoiled a perfectly good bum.
-Billy Connolly (to a heckler)
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| Mon Mar 07, 2011 7:24 pm |
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HeatherKay
Moderator
Joined: Thu Apr 23, 2009 6:13 pm
Posts: 7262
Location: Here, but not all there.
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Random happenstance, and something about great minds. Probably. _________________My Flickr | Snaptophobic BloggageHeather Kay: modelling details that matter. "Let my windows be open to receive new ideas but let me also be strong enough not to be blown away by them." - Mahatma Gandhi.
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| Wed Mar 09, 2011 8:12 am |
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Spreadie
I haven't seen my friends in so long
Joined: Fri Apr 24, 2009 6:06 pm
Posts: 6355
Location: IoW
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What new toy HK? New Mac or new camera is my guess.
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Before you judge a man, walk a mile in his shoes; after that, who cares?! He's a mile away and you've got his shoes!
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| Wed Mar 09, 2011 8:45 am |
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HeatherKay
Moderator
Joined: Thu Apr 23, 2009 6:13 pm
Posts: 7262
Location: Here, but not all there.
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 New camera. The prices hit the sweet spot for my finances, and as we've managed to sell some other hobby stuff and made enough to cover the cost, I was allowed to buy it. Canon EOS 7D body. I've got a ton of lenses already. 
_________________My Flickr | Snaptophobic BloggageHeather Kay: modelling details that matter. "Let my windows be open to receive new ideas but let me also be strong enough not to be blown away by them." - Mahatma Gandhi.
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| Wed Mar 09, 2011 8:55 am |
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Spreadie
I haven't seen my friends in so long
Joined: Fri Apr 24, 2009 6:06 pm
Posts: 6355
Location: IoW
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18 megapixel goodness. Very Have fun, and I sincerely hope that your package doesn't vanish into the ether for a couple of days, like my most recent delivery.
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Before you judge a man, walk a mile in his shoes; after that, who cares?! He's a mile away and you've got his shoes!
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| Wed Mar 09, 2011 9:14 am |
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HeatherKay
Moderator
Joined: Thu Apr 23, 2009 6:13 pm
Posts: 7262
Location: Here, but not all there.
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Heh. I ordered it a week ago Monday. It was shipped the same day. Apparently it costs a tenner for storage at UPS, with a delivery window up to and including this coming Friday.  _________________My Flickr | Snaptophobic BloggageHeather Kay: modelling details that matter. "Let my windows be open to receive new ideas but let me also be strong enough not to be blown away by them." - Mahatma Gandhi.
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| Wed Mar 09, 2011 9:33 am |
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adidan
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 9:43 pm
Posts: 5048
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Quite so HK. My cat has been going mental at the birds too, frakkin chirpy little buggers.
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Fogmeister I ventured into Solitude but didn't really do much.
jonbwfc I was behind her in a queue today - but I wouldn't describe it as 'bushy'.
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| Wed Mar 09, 2011 9:50 am |
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