>U.K. Average House Prices Surpass 250,000 Pounds for the First Time https://news.sky.com/story/average-uk-house-price-surges-by-8-5-to-hit-record-high-in-december-12220686 Is home ownership even realistic in this shithole anymore lads?

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Anonymous Wed Feb 17 10:06:40 2021 No.28951891 [Reply] [Original]

>U.K. Average House Prices Surpass 250,000 Pounds for the First Time
https://news.sky.com/story/average-uk-house-price-surges-by-8-5-to-hit-record-high-in-december-12220686

Is home ownership even realistic in this shithole anymore lads?

>>	Anonymous Wed Feb 17 10:07:45 2021 No.28951961 Gee I wonder who will benefit from all the obligatory mortgages. I'm scratching my head over here.

>>	Anonymous Wed Feb 17 10:07:52 2021 No.28951974 >>28951891 if you hold

>>	Anonymous Wed Feb 17 10:09:12 2021 No.28952064 >>28951891 Wait for the stamp duty holiday to end it will crash back. >How to make your shit GDP look better on paper 101

>>	Anonymous Wed Feb 17 10:12:57 2021 No.28952366 File: 530 KB, 1500x900, 1588869384641.jpg [View same] [iqdb] [saucenao] [google] >>28951891 >>28951961 >>28952064 just buy a 3 bed deanobox cuckshed with a 90% LTV mortgage + HTB

>>	Anonymous Wed Feb 17 10:14:16 2021 No.28952442 >>28952064 God I hope so, but I'm pessimistic at this point

>>	Anonymous Wed Feb 17 10:17:38 2021 No.28952676 >>28951891 But remember, citizen, the real pressing issues that society faces is the alt-right posting frogs on anime image boards. Speaking of which, got a loicense for that flag picture?

>>	Anonymous Wed Feb 17 10:19:21 2021 No.28952804 >>28952366 Britbong here - hilarious image

>>	Anonymous Wed Feb 17 10:19:50 2021 No.28952836 Lol my 1600 sq ft 2 floor house was only 108k holy shit my mortgage is only 850 and I got paid 200 bucks after closing

>>	Anonymous Wed Feb 17 10:20:48 2021 No.28952892 >>28952366 Kek, all this needs now is a French Bulldog and maybe a tattoo appointment.

>>	Anonymous Wed Feb 17 10:22:47 2021 No.28953021 >>28952804 how are there still people on this website who don't know the deano meme be honest, how new are you?

Anonymous Wed Feb 17 10:24:13 2021 No.28953129
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>>28951891
Buy silver stocks, houses at 9x earnings aren't worth it and taking out debt to buy them only feeds the ponzi scheme. I'd say buy silver but we get destroyed by VAT and premiums. You can also buy gold. 5 ounces of gold bought a mansion in Weimar Germany.

>>	Anonymous Wed Feb 17 10:27:02 2021 No.28953314 >>28953129 just buy ETFs

>>	Anonymous Wed Feb 17 10:30:25 2021 No.28953563 >>28952064 >stamp duty I love the archaisms of British. As a german, I'm imagining the obligatory assignment of stamping, perhaps set up in labor camps. You VILL stamp ze dokuments!!

>>	Anonymous Wed Feb 17 10:32:25 2021 No.28953711 >>28953129 I think the best investments for fellow British people are in gold/silver mining companies and BSV

>>	Anonymous Wed Feb 17 10:36:44 2021 No.28953993 >>28952366 Fuck, that img is depressing

>>	Anonymous Wed Feb 17 10:37:23 2021 No.28954027 >>28953711 no. the best investment for fellow Brits is ETH and BTC and LINK

>>	Anonymous Wed Feb 17 10:38:03 2021 No.28954069 >>28951891 Me and effectively everyone I know managed to get a house in our early to mid 20s. If you can't get a house here you're a poorfag.

>>	Anonymous Wed Feb 17 10:39:15 2021 No.28954148 The solution to this problem is 50 million third world immigrants

>>	Anonymous Wed Feb 17 10:39:25 2021 No.28954160 >>28954069 do you ever take a walk down the street mate? or just live in the bubble of your posh cunt social network?

>>	Anonymous Wed Feb 17 10:40:51 2021 No.28954260 >>28952366 Based Deano

Anonymous Wed Feb 17 10:40:55 2021 No.28954268
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The government will do anything to prop up this bubble - and worst of all will lie to our faces and claim the policies help first time buyers. it's a ponzi scheme.

>we want to help young buyers xD
*inflates house prices with H2B ISA*
>young buyers suffer, property owners profit

>we want to help young buyers xD
*inflates house prices with H2B equity loan*
>young buyers suffer, property owners profit

>we want to help young buyers xD
*nflates house prices with LISA*
>young buyers suffer, property owners profit

>we want to help young buyers xD
*inflates prices with stamp duty exemption*
>young buyers suffer, property owners profit

>we want to help young buyers xD
*inflates house pries with stamp duty holiday, oh btw this also applies to buy-to-lets and second homes hehe*
>young buyers suffer, property owners profit

>now.. a few days ago, we want to help young buyers xD
*inflates house prices with subsidised mortgages*
>young buyers suffer, property owners profit

Other things of course - starting with Thatcher
>Right to buy under Thatcher
>state house building dropped to zero under Thatcher (and never recovered subsequently)
>Blair opening the immigration floodgates
>Mortgage deregulation
>record low base rates
>tax breaks for buy to let mortgage holders

>>	Anonymous Wed Feb 17 10:41:57 2021 No.28954347 >>28954069 t. Northern monkey

>>	Anonymous Wed Feb 17 10:43:02 2021 No.28954420 No, yet my parents still think it's worth locking into a decades-long mortgage for a property that isn't going to be worth shit by the time I'm done paying my goybux (with inflated interest after the crash).

>>	Anonymous Wed Feb 17 10:45:01 2021 No.28954565 Whats the non meme explanation for why getting a house is bad? I currently rent for £600/month but could get a mortgage and pay maybe only £400/month. Why’s this bad?

>>	Anonymous Wed Feb 17 10:45:17 2021 No.28954582 File: 470 KB, 800x800, 1469605011413.png [View same] [iqdb] [saucenao] [google] >>28954268 THINGS CAN ONLY GET BETTER

Anonymous Wed Feb 17 10:46:42 2021 No.28954686

>>28954069
Anywhere that supports souf fc is priced out. £30k salary is pretty decent, mortgage lenders will only give you 4.5-5× your salary - that's 150k most. Bump that up to a £40k salary and it still only gets you £200k borrowing power. 5% deposits are becoming a thing, but even with the stupidly low rates everywhere you need 15% deposit to get anything below 3% for any length of time.

So conditions of entry are save up 25k for a deposit, and have a salary high enough that at 5x borrowing power you can reach £250k.

Or rent for the rest of your life paying 30% of your payslip every month to the boomers retired holding 4 BTL properties.

Regrets mounting. Do you understand?
>i understand

>>	Anonymous Wed Feb 17 10:47:10 2021 No.28954719 >>28954565 only potentially bad bit is a crash

>>	Anonymous Wed Feb 17 10:47:28 2021 No.28954747 >>28951891 Just bought my first house. Feels good man but fuck it's wiped me out and left me vulnerable as fuck for the next quarter. Ahwell on the ladder now. Secure job, been here 10+ years. Feels good lads

>>	Anonymous Wed Feb 17 10:47:34 2021 No.28954754 >>28952366 this is so bri ish it hurts lad

Anonymous Wed Feb 17 10:48:08 2021 No.28954799

The average price of a house where i live is 450k luckily i hold 20k link and im on 46k a year as a work from home IT chad (i dont even do any work)
Currently renting a £1200 a month new build flat, been here for a few years its cushty.
Cant wait to quit my job and buy a fucking mansion by the seaside somewhere later this year when link hits 100

>>	Anonymous Wed Feb 17 10:48:50 2021 No.28954839 >>28954747 >Ahwell on the ladder now herd mentality. just froze a tremendous amount of capital and destroyed your cash flow for years to come just to be "on the ladder". ngmi.

>>	Anonymous Wed Feb 17 10:49:17 2021 No.28954879 >>28954565 You can afford the mortgage payment sure, but your base salary won't be high enough to give you the lending power. Lenders will give you 5x your annual wage max borrowing power.

>>	Anonymous Wed Feb 17 10:50:24 2021 No.28954956 >>28954879 So how are all these deanos getting houses?

Anonymous Wed Feb 17 10:50:32 2021 No.28954967

>>28954565
Because the interest rates will increase and your capital influence decrease--both due to inflation and wages. Also, the houses will not be desirable because the areas will be overrun with Pakis. That's the simple of it. You will be purchasing, for the same as your parents, several houses to their one.

>>	Anonymous Wed Feb 17 10:50:37 2021 No.28954973 >>28952892 >French Bulldog Burger here. Why do Bongs love this dog so much?

>>	Anonymous Wed Feb 17 10:50:58 2021 No.28954994 >>28951891 buying a house is a meme because paying property tax is just as bad as paying rent

>>	Anonymous Wed Feb 17 10:52:43 2021 No.28955142 >>28954994 >property tax What the fuck is that?

>>	Anonymous Wed Feb 17 10:52:53 2021 No.28955158 >>28954956 40 year mortgage (95% LTV) worked his nut off at the vauxhall dealership it's off a motorway far from anywhere of merit

>>	Anonymous Wed Feb 17 10:54:01 2021 No.28955247 >>28951891 >250,000 pounds 1 BTC soon.

>>	Anonymous Wed Feb 17 10:54:09 2021 No.28955256 >>28954956 shared ownership, h2b equity loan, etc.

Anonymous Wed Feb 17 10:54:52 2021 No.28955311

>>28954956
Append to the image
>wife tells me her old gaffer is on the dog and bone, needs some help moving some furniture out of the garage conversion since we moved out
>pukka, i'll head over after the sunday 5v5 to help, sure i feel obliged as they helped us with a 20k loan for the house, but we'll watch the game after

Bank of mum and dad pretty much. But even that is beginning to not be enough now.

>>	Anonymous Wed Feb 17 10:55:46 2021 No.28955372 >>28955142 stamp duty and then council tax (he's wrong though, its not nearly as bad as rent)

>>	Anonymous Wed Feb 17 10:56:11 2021 No.28955404 >>28955142 Council tax to you, Nigel.

>>	Anonymous Wed Feb 17 10:56:31 2021 No.28955427 >>28952366 This is uncanny.

>>	Anonymous Wed Feb 17 10:56:37 2021 No.28955438 >>28955256 Or a fucking leasehold where it should be a freehold. Fuck this thread has triggered me, normally i avoid thinking about my serfdom. Better open up a midweek can then

>>	Anonymous Wed Feb 17 11:00:33 2021 No.28955716 >>28955438 >Better open up a midweek can then good idea, doing that now. kronenbourg french piss is all I got, how fitting

>>	Anonymous Wed Feb 17 11:01:22 2021 No.28955786 >>28955372 >(he's wrong though, its not nearly as bad as rent) Not to mention, that in the UK, it's the tenant who pays council tax for a rented property not the landlord.

>>	Anonymous Wed Feb 17 11:01:43 2021 No.28955812 >>28955438 leasehold should be illegal unbelievable scam. Scotland outlawed it, good lads

>>	Anonymous Wed Feb 17 11:02:27 2021 No.28955880 >>28955438 No idea what these words mean mate, care to explain for a retard?

>>	Anonymous Wed Feb 17 11:03:48 2021 No.28955973 >>28952366 Most the people I grew up with are consumerist plebs. Bought shitty newbuilds. Cities are absolutely minging quality of life.

>>	Anonymous Wed Feb 17 11:04:18 2021 No.28956006 >>28952064 >stamp duty holiday wat

>>	Anonymous Wed Feb 17 11:04:37 2021 No.28956027 >>28955786 >it's the tenant who pays council tax Man one of the few perks of being a paid postgrad student is that I avoid this shit.

>>	Anonymous Wed Feb 17 11:04:54 2021 No.28956046 >>28955438 >>28955812 >leasehold Burger here again. Why does this even exist?

Anonymous Wed Feb 17 11:07:35 2021 No.28956231

>>28955880
freehold: you own the house and the land (most old houses use this) indefinitely.

leasehold: you own a long-term lease on the property and land. Typically these last ~100 years. If a leasehold duration is getting low, it becomes difficult to sell the property (nobody wants to buy a house they only have rights to for 15 years...). You have the legal right to extend the leasehold when it's getting low, but this costs minimum £20k for a cheap place. Most flats and lots of new-build houses use this.

>>	Anonymous Wed Feb 17 11:09:26 2021 No.28956369 >>28956046 Because we're going Marxist and the state doesn't want anyone owning anything.

Anonymous Wed Feb 17 11:10:21 2021 No.28956427

>>28956006
because the house price line wasn't going up fast enough during COVID, the govt. introduced a stamp duty holiday for properties up to £500k (usually £125k).

Basically a flat subsidy on property that only notionally benefits existing buyers (as first-time buyers are already exempt), at the cost of ~£4bn... in reality it just spiked demand, prices adjusted to account for lower taxes and the ultimate beneficiaries were sellers.

>>	Anonymous Wed Feb 17 11:12:58 2021 No.28956586 >>28954839 It's cheaper than renting. Also iam paying off MY HOUSE. Not a landlords. Nothing else to spend deposit on. Don't have any other debts. Leave an asset for children. No YOU sir are not going to make it.

>>	Anonymous Wed Feb 17 11:13:25 2021 No.28956624 reminder that if you parents don't have a few thousand to help with a deposit they never loved you

Anonymous Wed Feb 17 11:14:22 2021 No.28956706

>>28955880
>>28956046

I am a moron so please correct but:

a leasehold is like renting long-term. They normally last 125 years or something, apparently you can extend them too. This is normally with apartments where an entity will hold the land/building aka freehold (thus you'd pay for communal areas).

There are flats that have a share of freehold, but there are a few houses that are leaseholds too. While leaseholds are mostly shit, they can be alright to get on the market. However you can't get a mortgage on a leasehold with 70 years or less remaining. Commonhold is a new thing that I think no one uses yet.

tl;dr - you probably want a freehold

>>	Anonymous Wed Feb 17 11:14:30 2021 No.28956722 >>28951891 >Is home ownership even realistic in this shithole anymore lads? The Great Reset - you will own nothing, goy

>>	Anonymous Wed Feb 17 11:14:55 2021 No.28956760 >>28956046 look to us for your future in 10 years soon the local govs will start allowing people to 'loan' land to use for property to save the housing crisis, of course it'll still be protected by them!

Anonymous Wed Feb 17 11:15:05 2021 No.28956776

>>28955880
Leaseholds are something that used to only exist for flats - you buy the flat, but technically you only buy a lease to the flat allowing you to use it. There is still another legal owner of the building that you pay to hold the lease. Houses are typically freehold - you buy the building and the land it stands on.

In boomer times of sunshine and plenty this was really not a bad system - the leases were generally a 999 year lease and the rent (ground rent) was called 'peppercorn' - basically a tiny nominal admin fee. They would also sort out maintenance of the overall building and shared areas (though typically a management company does this for them and you pay a service charge), so for flats it makes sense.

Nowadays leases are generally 100-150 year. A lender won't give you a mortgage for anything with less than 80 years left on the lease, and if you want to add more years you have to pay the owner of the building. Quite often the ground rent is something like £200 at the start, and has a doubling clause so it doubles every 5 years. Then the service charge is on top. Basically turns newbuild flats into even more of a money spinner, but you basically have to accept a freehold for a flat as it's the established system.

Then some bright spark realised that they could do this with new build houses too - sell a house, with a garden and drive, as a leasehold. The developer can then collect ground rent for eternity after already making a profit on the house itself. Generally sells them slightly cheaper (but only very slightly) to entice buyers.

It got so bad the law recently changed to make sure new build houses are now always freeholds, but it's just another case of something nominally functional being squeezed for profit until it's just another nail in the coffin of society

>>	Anonymous Wed Feb 17 11:15:55 2021 No.28956836 Yeah, just don't be poor.

>>	Anonymous Wed Feb 17 11:16:06 2021 No.28956849 >>28956624 heh, my mum still rents.

>>	Anonymous Wed Feb 17 11:16:43 2021 No.28956897 >>28956836 Simple as, ain't it

>>	Anonymous Wed Feb 17 11:17:31 2021 No.28956959 >>28956776 So there’s a small amount of new builds that are leasehold but a NEW new build should only be freehold?

>>	Anonymous Wed Feb 17 11:17:33 2021 No.28956964 don't forget their latest trick: service charges fairly well unregulated, the average in London is £2k per year but can increase rapidly without recourse

>>	Anonymous Wed Feb 17 11:20:15 2021 No.28957159 >>28956959 The government stepped into to stop new builds being leaseholds so yes- there are pre-existing new builds as leaseholds but there should be no new ones. or something.

>>	Anonymous Wed Feb 17 11:21:14 2021 No.28957242 >>28952366 I hate this country. GIANT METEOR JUST FUCKING COME ALREADY

>>	Anonymous Wed Feb 17 11:22:31 2021 No.28957341 >>28957159 law commission has recommended the govt. change law to allow leasehold extension to 990 years with 0 ground rents these recommendations are usually implemented, eventually

Anonymous Wed Feb 17 11:23:15 2021 No.28957403

>>28954160
> live in the bubble of your posh cunt social network

Both of my parents come from relatively poor families. I left school at 15 and went straight into work. This meant by the time idiots are leaving uni with thousands in debt and no valuable experience of anything, I had thousands saved away and was starting to look at moving out. Surprise surprise, some of us actually gained what we have from years of hard work and not from mummy and daddy.

>>28954347
Midlands.

>>28954686
And of course, because the average UK house is £250k that means anyone looking to buy their first home should be aiming for exactly that. Fucking brainlet thinking.

Anyone who expects to walk into a £200-300k house as their first step on the property ladder is a fucking retard.

>>	Anonymous Wed Feb 17 11:28:30 2021 No.28957789 >>28957403 well done mate. Time for me to bite the bullet and get that £100,000 1-bed in Aldershot town centre

>>	Anonymous Wed Feb 17 11:29:52 2021 No.28957888 >>28957403 This guy is right desu. Wish I never went to uni.

>>	Anonymous Wed Feb 17 11:30:08 2021 No.28957902 >>28954069 > t. I live in Preston

>>	Anonymous Wed Feb 17 11:32:43 2021 No.28958099 >>28956586 Its the BANKS HOUSE until its paid for buddy

Anonymous Wed Feb 17 11:32:47 2021 No.28958105

>>28957403
why are you so angry? lmao

Midlands is cheap because people don't want to live there.

It shouldn't be unreasonable to expect to afford a half-decent flat where you were born and raised if you make an average salary. I make 2x average for my age and can only afford shitholes in the South East.

>>	Anonymous Wed Feb 17 11:34:05 2021 No.28958197 >>28954973 only 'middle class' people with no taste like these mongrels

Anonymous Wed Feb 17 11:34:49 2021 No.28958252

Mate of mine is inheriting £250k after his mother passed. His head is all over the place, as you can imagine, but he has this plan of moving to the South West and purchasing a house for around £1M and mortgaging the rest. First off i don't even think a bank would grant him that, but i'm no property expert, but even so my first suggestion to him was to just take time to clear his head. My second suggestion was why not purchase a house for £250k or less and not be in debt to the banks? Sounds like free security to me. If it was me i'd go even cheaper and invest the rest to escape wage slaving.

>>	Anonymous Wed Feb 17 11:35:08 2021 No.28958278 >>28957403 What did you work as at 15? I tried to do the same but the choices were basically: >army >shop/bar worker >trainee plumber/joiner/sparky but only if you have family connections

>>	Anonymous Wed Feb 17 11:35:30 2021 No.28958307 >>28952366 I feel personally attacked!

Anonymous Wed Feb 17 11:35:48 2021 No.28958335

>>28956959
The law has only just changed, but the leasehold thing has been a money spinner for the past 20 years. It just took time to finally gain political traction as boomers started to retire and look at downsizing, then they realised all the new builds were leaseholds. The idea that boomers would be the ones getting fucked is unaccebtable to the politicians so finally something is being done about it.

There are a lot out there now. The ground rent doubling charge is becoming another big issue, as below a certain amount it counts as some subtype of leasehold with specific legal protection, above a certain threshold it becomes another subtype without that protection. So you could be a day late on ground rent and the owner is allowed to foreclose the lease and sieze the flat without contest. If the property falls under the second subtype this is is another condition that a mortgage lender will not give you a loan for, as it risks them not being legally able to foreclose the property to recoup if you can't pay. Even if when you initially take the mortgage the ground rent is low, if it reaches that threshold at any projected point over the expected term of the mortgage the mortgage lenders really don't like it.

With all the 21st century 'cool brittania' flats now hitting 10-20 years old, the original owners bought them for half the price they are now when the ground rent was £50-100. They now want to move out. New buyers now are looking at a higher sticker price, so longer mortgage term, and the ground rent will be a decade into the doubling clause. It is now guaranteed that at some point over the expected term of the mortgage the doubling ground rent will broach the threshold, so the mortgage lender is much more reticent about offering a buyer money. This makes the property toxic, so sometimes the seller will lower the asking price to entice buyers. So even if you think you've finally found an affordable place as a new buyer; you're buying a fucked leasehold

>>	Anonymous Wed Feb 17 11:36:58 2021 No.28958424 >>28958252 unless he he earns £150k+ there is not a chance he's getting that £500k gets you a perfectly nice house in the SW anyway. He sounds like a walking argument for higher inheritance tax.

>>	Anonymous Wed Feb 17 11:38:44 2021 No.28958578 >>28953129 bitcoin the new gold anon

>>	Anonymous Wed Feb 17 11:39:15 2021 No.28958625 >>28951891 when you can get a free council house and gibs who even gives a shit

>>	Anonymous Wed Feb 17 11:40:17 2021 No.28958715 >>28958625 Don’t wanna live around scum

>>	Anonymous Wed Feb 17 11:43:26 2021 No.28958974 >>28952366 funny, i lived opposite a guy who had the audi a3 life, and was also friends with a guy who looked like the cunt in the image

>>	Anonymous Wed Feb 17 11:43:32 2021 No.28958986 >>28958625 >free council house >get stabbed was it really worth it?

>>	Anonymous Wed Feb 17 11:44:53 2021 No.28959112 File: 9 KB, 255x253, pepo.jpg [View same] [iqdb] [saucenao] [google] We're not going to make it are we?

>>	Anonymous Wed Feb 17 11:44:57 2021 No.28959115 >>28954973 I would put it down to influencers making them popular, they have pretty small litters and they sell for stupid money here

Anonymous Wed Feb 17 11:45:05 2021 No.28959127

>>28957403
Just spitballing with numbers to illustrate the problem. Over the past 10 years I've worked in 5 different towns/cities ranging from trendy to industrial, and as a single person in the south even buying a shit tip in a shithole is nearly impossible just working the numbers. If you take your age and multiply by 1000 that is basically a good representative salary for most people in their 20s. To be able to save a deposit whilst renting is hard enough, and even when you get enough for a deposit the maths just doesn't add up to allow you to get a mortgage until you're 30.

Anonymous Wed Feb 17 11:46:05 2021 No.28959201

>>28958715
That happens anyway. My friend makes a fortune in M&A and a proportion of the building he lives in is council rented. Standard. When they talk about "affordable housing" this is what they mean - a percentage of the flats in any new build have to be council flats.

>>	Anonymous Wed Feb 17 11:46:16 2021 No.28959222 >>28952366 Oi oi Deano

Anonymous Wed Feb 17 11:46:41 2021 No.28959255

>>28958252

Your friend is a fucking retard, the annual interest on the mortgage of £750,000 - even putting £20,000/year towards your mortgage you’d barely be paying it off with zero quality of life as all of your money goes into paying off your mortgage.

>>	Anonymous Wed Feb 17 11:50:00 2021 No.28959531 >>28959255 >>28958252 Buy 7 BTC. Wait 4 years. Buy $5m house with no mortgage? That's how I'd cut it.

Anonymous Wed Feb 17 11:50:37 2021 No.28959583

>>28958278
I was always known as the IT kid at school. By 14-15 I had already built simple websites and graphics for a few local businesses and was starting to get a few people pass my name around. It was never very serious at the time, but at 15 when I left school, I was approached by a chap who was starting up a small business and needed some help with the IT sides of things. I knew him through friends of friends (he was 2-3 years my elder). When I turned 16 he employed me part-time, which grew into full-time. I worked with him until I was 17, then quit because I was fed up of making 20% of the intake but doing most of the actual work. I spent a year sorting out stuff to go solo, and then registered a LTD at 18. I've worked for myself since - I'm now 31 and fairly comfortable.

It takes an insane amount of work however. I've had periods of doing back to back 70+ hour weeks for months on end. The payout however, can be up to 1-2 grand a day in the best parts of the year. For me right now, the trade of no life and lots of work is worth having an early retirement being setup.

Anonymous Wed Feb 17 11:51:47 2021 No.28959658

>>28953563
It's not an archaism you ESL spastic. They use duty to talk about taxes and tariffs in the US too. Ever been to an airport where they have duty free shopping? Just use our language when doing all the important things in your life, refrain from passing comment on it.

Anonymous Wed Feb 17 11:53:41 2021 No.28959818

>>28957888
Nice digits. Uni for most is just a setback I reckon. If you're learning something that has a guaranteed job at the end of it (plenty of engineering does for example) then it's not only required but it's a good move to get setup. Those who go to uni to do sport-science or something equally retarded are just burning money and time for very little gain at all.

Anonymous Wed Feb 17 11:55:03 2021 No.28959940

>>28958424
>>28959255

Thanks this is the type of info i need to back up an argument to steer him on the right path. He's grief stricken and quite literally out of his mind so he needs to hear it from someone.

>>28959531

Yeah this is exactly what i'd do. Wouldn't want to feel responsible if the market goes balls up though. He wants to get a place next year, so if it was me i'd buy a house for say £150k and put the rest in BTC as he continues his trade for an income. Possibly retired by 35.

Anonymous Wed Feb 17 11:57:43 2021 No.28960130

>>28958105
While I'd never suggest I know the housing market where you are nor second guess what you're saying, quick search shows 2-bed flats in East Sussex for example, to start from 60k for a shithole up through 120k for something a bit nicer, and 180k for something in a far nicer area (at least, from what I can see). If you're making 2x the average and can't get something between 100k and 200k, I don't know what to suggest.

I still think anyone trying to get a lovely place in a great area as their first house best have some family money behind them. Accept a shithole for a few years, the price will generally only go up, sell it for profit and use it to move up to something better.

Anonymous Wed Feb 17 11:58:08 2021 No.28960166

>>28959940
i mean it doesn't matter... if he doesn't find out from you, he will find out from any bank or mortgage broker he approaches

if I were in his boots i'd probably get something in the £300-350k range and be able to relax about income, or pay it off sooner

Anonymous Wed Feb 17 11:59:19 2021 No.28960246

Rate my set up gents, i'd be keen to hear some feedback about what to do next.

>Shitty newbuild leasehold flat, looking to sell and get somewhere better in the next 5-10
>55 pl8 banger merc outright
>comfy govt job on 32 k a year
>divert as much surplus money into crypto as possible
>26 years old

Do you think i'm in a strong ish position? What could I improve

Anonymous Wed Feb 17 12:00:41 2021 No.28960353

>>28959127
If you're in the south and unable to increase your income by any other means, I can only suggest living as tightly as you can, and try to bring that target from 30 down to say 25-26. I don't think someone getting a property in their mid-20s is a bad thing, even if it's a shithole. And getting a mortgage at 28-30 is also not exactly late.

>>	Anonymous Wed Feb 17 12:03:28 2021 No.28960561 >>28951891 There are a lot of properties for sale near me with tenants in situ. I'm kinda tempted but I imagine being a landlord is a massive headache if you're unwilling to be a cunt

Anonymous Wed Feb 17 12:03:31 2021 No.28960567

>>28960246
Very strong by virtue of actually having a flat. If you don't mind my asking, where abouts roughly, and roughly how much was it? Problem is a lot of people will point out a cheap flat somewhere south as a counterargument, but not realise that there are no jobs nearby. A 32k govt job at 26 is comfy indeed.

>>	Anonymous Wed Feb 17 12:06:31 2021 No.28960800 >>28960246 HMRC, DWP, MOJ or RNHS?

Anonymous Wed Feb 17 12:07:27 2021 No.28960872

>>28960567
I live in the North West of England, in a quiet village around Preston.
Flat was £68 grand, me and my ex went halves on a 7 grand deposit and split up about a month later haha. Still need to get the slags name taken off the deeds.

it is leasehold which is shit, basically 400 quid every six months with no real plus side. I'm not looking to stay here beyond five years, the flats now valued at 90 odd k so hopefully when I sell I'll be able to net a bit of profit for a deposit for a freehold house. That's the plan anyway.

...Unless XRP moons ;)

>>	Anonymous Wed Feb 17 12:08:29 2021 No.28960940 >>28960800 Home Office mate.

>>	Anonymous Wed Feb 17 12:11:22 2021 No.28961133 >>28960872 >XRP despite your otherwise strong fundamentals, i've downgraded your prospects to 'ngmi'

Anonymous Wed Feb 17 12:11:49 2021 No.28961165

>28
>just finishing PhD in life sciences, jobs looking around £30k
>16.6k Link
>about £30k in savings otherwise
>22 year old gf

Ideally want some land in a rural setting (south west Wales is ideal but somewhat pricy). Hoping Sergey gets a fucking move on.

>>	Anonymous Wed Feb 17 12:12:01 2021 No.28961181 >>28952366 fuck me this is perfect.

>>	Anonymous Wed Feb 17 12:13:13 2021 No.28961284 >>28961133 Haha. I'm fairly new to the crypto stuff, any recommendations?

>>	Anonymous Wed Feb 17 12:14:15 2021 No.28961354 >>28954956 Working trades

>>	Anonymous Wed Feb 17 12:14:42 2021 No.28961390 >>28960872 Norf fc. Really lucky to have the a good paying job - not meant as an insult, just the hyper southernisation of the economy is fucking stupid.

>>	Anonymous Wed Feb 17 12:15:44 2021 No.28961465 >>28961284 ARPA

>>	Anonymous Wed Feb 17 12:15:59 2021 No.28961483 >>28961284 BTC, ETH and LINK are solid picks, with risk and reward increasing respectively (although not at the same rate, I'm all in on LINK). This is good if you're new, just know XRP is a complete scam and a relic of previous cycles.

>>	Anonymous Wed Feb 17 12:18:11 2021 No.28961639 >unemployed 21 year old no degree >3 years trading crypto >no one will hire me When I make it with crypto I plan to buy a 60-80k house outside manchester so I can still find a job

Anonymous Wed Feb 17 12:18:34 2021 No.28961662

>>28952366
It’s good but needs to be tweaked. House pictures need to be smaller newbuild joined up 2 bed HTB terrace.
The mortgage shouldn’t be 25 years, zoomers listening to boomer parents are getting 35 year mortgages to buy into the ponzi.
Shouldn’t be Sony Bravia, should be Black Friday supermarket rebranded Polaroid/Grundug 60 inch TV.

Anonymous Wed Feb 17 12:21:22 2021 No.28961881

>>28961165
Very jelly

>>28961390
Yeah, the biggest thing for me is the lack of stress with the job. I have friends working for recruitment companies and constantly chasing target figures etc. etc. I just couldnt be doing with it.

>>28961465
>>28961483
Thank you for the heads up.

>>	Anonymous Wed Feb 17 12:21:32 2021 No.28961893 >>28961662 wrong... deano covets brands, he'd pay over the odds for a Sony Bravia, even if it meant financing it t. /brit/ grandee

Anonymous Wed Feb 17 12:21:55 2021 No.28961931

>>28951891
home ownership is for cattle
buy a piece of land and build structures without foundations (A frame houses, log cabins) until youve lived there long enough to build structures with foundations
ideally do something on the land that helps you get planning permission quicker
although even that I don't know so much any more to be honest, looking at Montenegro, Macedonia, Slovakia and Portugal now as alternatives
anyway plan is
>buy land with forest on it
>build small saw mill and work shops
>convert cargo container to lab on wheels
>run workshops like chainsaw skills, permaculture, lab mycology - my partner hopes to run art therapy and retreat-y stuff like yoga classes - run freebies for da poor ina shity kiids for brown nose points
helps that I dont want to live in a mansion
i don't know why people would buy a house in the uk, most of them are shit and old, with water damage and mold, the nice ones are way over priced
near me a nice medium size cottage can cost close to million- fucking second home rich niggers!

>>	Anonymous Wed Feb 17 12:22:32 2021 No.28961980 >>28960940 Comfy

Anonymous Wed Feb 17 12:24:55 2021 No.28962124

>>28961881
>Very jelly
Aside from the crypto don't be mate. My PhD was a good experience working on an interesting project and I got paid above the market rate for a postgrad student, but it's not helped getting jobs at all. I was declined for an entry level position after the final interview and they even told me I was 'basically perfect' for the role. Been applying for jobs (somewhat lazily) for months now and I've been getting nothing beyond a handful of interviews. Would have been better to just get a job after my masters really.

Anonymous Wed Feb 17 12:28:01 2021 No.28962342

>>28961893
Yeah the covert brands and that’s the whole thing is they think Polaroid/Blaupunkt/Toshiba is a brand (because they used to be good brand in their field). They have no idea that all cheap supermarket Black Friday TVs are built in Turkey by vestel.
Size is the most important thing to show off to mates irrespective of how shit the picture is.
Maybe we’re overthinking this...

>>	Anonymous Wed Feb 17 12:30:37 2021 No.28962508 >>28954268 Genuinely one of the best breakdowns I've ever seen of anything on this shithole site. Hats off

Anonymous Wed Feb 17 12:33:05 2021 No.28962671
File: 58 KB, 1024x768, 4CAB7998-FA82-4BF7-866D-99AD392534CB.jpg [View same] [iqdb] [saucenao] [google]

I’m a link millionaire now, thinking of selling a bunch when we hit $100 and buy a comfy place in UK for £1-2m
What the most comfy place to live here
Lived in Brighton all my life and frankly it fucking sucks literally soul crushing
I want to live somewhere overwhelmingly white and with comfy country pubs and nice restaurants I want the most comfy British experience possible
Any suggestions bros right now I’m thinking Cornwall maybe

>>	Anonymous Wed Feb 17 12:33:58 2021 No.28962728 >>28954565 600 a month? Do you live in a shed?

>>	Anonymous Wed Feb 17 12:34:09 2021 No.28962739 >>28962671 fuck off we're full

Anonymous Wed Feb 17 12:38:46 2021 No.28963050
File: 167 KB, 744x804, 1600349268324.png [View same] [iqdb] [saucenao] [google]

>>28951891
>Imagine actually buying and owning a property anywhere in this shithole country
>Imagine taking out a mortgage to do that
>Not investing the difference into crypto, stocks or other appreciating assets that are more liquid because "Muh house is an investment"

>>	Anonymous Wed Feb 17 12:44:51 2021 No.28963523 >>28962671 Southwold, Suffolk

>>	Anonymous Wed Feb 17 12:50:47 2021 No.28963968 in the golden age of financial investments you lot are crazy about houses. I managed to turn 10k into £60k in a couple of years with a safe and sensible investment plant. Buying a house is the last thing I would do to increase my net worth.

>>	Anonymous Wed Feb 17 12:52:11 2021 No.28964083 For those of you planning to move away from the UK, where are you heading to? I've been thinking about Portugal because of crypto laws but those laws might end up being overruled by the EU... Idk where is a good place.

>>	Anonymous Wed Feb 17 12:53:46 2021 No.28964214 >>28962671 Calais

>>	Anonymous Wed Feb 17 12:54:40 2021 No.28964274 >>28963968 >safe 6x 'no'

>>	Anonymous Wed Feb 17 12:54:45 2021 No.28964280 >>28951891 get a caravan mug nuts

>>	Anonymous Wed Feb 17 12:54:53 2021 No.28964288 >>28951891 I’m just going to buy my dream house with crypto’s and live in forever no interest in speculating on houses

>>	Anonymous Wed Feb 17 12:56:29 2021 No.28964417 >>28951891 Where the fuck are you buying a house for <250k? That's a parking space where I live

Anonymous Wed Feb 17 12:57:20 2021 No.28964471
File: 161 KB, 880x662, 530B93A0-04FE-45C4-80E6-D5100062FEE4.jpg [View same] [iqdb] [saucenao] [google]

>>28963050
This. 40yr old boomer here. Don’t give in to the fucking ponzi. Keep investing in crypto and live in a fucking hotel/airBNB (cheaper than renting at the moment) or with mum/dad.
Let the boomers fight it out to the bottom when they haven’t got anyone to sell their one bedroom 1/2million BTL shitboxes to.
The revolution needs to happen. The Covid global recession and forthcoming inflation is your only chance for a catalyst to inflict the pain needed to play the ultimate crypto zoomer hand.
Basic living needs like a home shouldn’t be x8 times the national average earnings, the boomers have made you think this is normal but it’s not. They made you think you’ll get the same returns/pensions/retirement as them.You won’t.
It’s all going down the pan but they’ll make you pay for it whilst they’re still around enjoying your labour after retiring at 50 while the ponzi is in full swing and let your generation deal with the consequences.

>>	Anonymous Wed Feb 17 12:57:41 2021 No.28964504 >>28964417 Move out of London you sad twat

Anonymous Wed Feb 17 12:58:09 2021 No.28964543

>>28964083
If you're english, stay in england, if you're welsh stay in wales etc. Don't run away from your home country and it's problems, you have a duty to see it through and go down with the ship if it comes to that.
All the problems we have arise from the world becoming rootless, everybody ignoring their loyalties. Rats fleeing the sinking ship is no different

>>	Anonymous Wed Feb 17 12:58:47 2021 No.28964597 >>28964504 I live in Edinburgh dickhead

>>	Anonymous Wed Feb 17 13:02:10 2021 No.28964891 >>28960872 Even if I could get a flat for a pound no way would I live around a bunch of unwashed northmen

>>	Anonymous Wed Feb 17 13:02:22 2021 No.28964901 >>28964597 My deepest condolences

>>	Anonymous Wed Feb 17 13:03:10 2021 No.28964961 >>28964274 not quite a 6x when you factor in my heavy savings rate which was all DCA it was a 3x. but all sensible and safe investments.

>>	Anonymous Wed Feb 17 13:04:09 2021 No.28965040 >>28951891 Home ownership is a pipe dream almost everywhere now

Anonymous Wed Feb 17 13:04:42 2021 No.28965077

>>28964543

I was a nationalist too until i realized the people i wanted to help protect didn't want saving (don't look back in anger..) and that the only thing that matters in life is looking after your own interests, as well as your families if you have one.

>>	Anonymous Wed Feb 17 13:05:01 2021 No.28965106 >>28951891 pounds is weight not currency retard

>>	Anonymous Wed Feb 17 13:06:36 2021 No.28965222 >>28964543 based > fuck polish I work all my life i dont have a house AND NEVER WILL. These shits stains come over from poland within 6 months they have a house paid for by the government. Then they rent it out then fuck off back to poland .

>>	Anonymous Wed Feb 17 13:06:37 2021 No.28965223 >>28953563 Of course you immediately imagine things in the context of labour camps, Fritz.

>>	Anonymous Wed Feb 17 13:09:18 2021 No.28965427 >>28962508 ty lad

Anonymous Wed Feb 17 13:10:51 2021 No.28965532

>Live in the South East
>Rent for a 2-bed £1000 a month
>Shittiest house imaginable costs minimum £200k unless buying a pikey shed
>Decent wagey job earning £30k plus bonus, enough saved up for a deposit but don't want to live in a shithole so continue renting
>Suddenly COVID, working from home permanently
>Moving to Yorkshire and buying a 4-bed detached for the same money

Fuck London and fuck the home counties.

Anonymous Wed Feb 17 13:12:05 2021 No.28965628
File: 321 KB, 1096x1095, 1613585519842.png [View same] [iqdb] [saucenao] [google]

>>28964543
This guy >>28965077 sums up my feelings on the matter. A nation full of patriots is strong, but being a patriot in a nation of cowards and woke twats just makes you exploitable. I look out only for myself and my family now. If the English people decide to get their shit together I'll be there to help, but I'm not basing my plans for the future on that happening.

>>	Anonymous Wed Feb 17 13:13:20 2021 No.28965726 >>28965532 that's based want to ask my boss if I can WFH permanently and move North, it's the only way to make it unless you're on £70k+ or gifted £100k+ deposit

>>	Anonymous Wed Feb 17 13:14:06 2021 No.28965792 >22 gf 21 >buying house in Chesterfield for 165k >3 bedroom detatched >not a newbuild >nice big garden just leave london you fucking weird city freaks

>>	Anonymous Wed Feb 17 13:16:49 2021 No.28965977 >>28964597 Can get loads in Edinburgh for <250k just live in fucking Leith or something cunt

>>	Anonymous Wed Feb 17 13:17:41 2021 No.28966042 >>28965792 People that live in the big cities are too far gone mate, they can’t imagine not having a Starbucks 2 minutes away and they panic at the thought of having to see a cow or a tree outside their window

Anonymous Wed Feb 17 13:18:59 2021 No.28966152

>>28965628
>>28965077

This is the truth. Deano and Bazza would grass you out to the police for being racist in a heartbeat if you dared to criticise Ngubu.

None of these Western countries have their own identity or national pride/patriotism anymore. Most of the NPC inhabitants have long been brainwashed and will stab you in the back in a heartbeat if you criticise the globohomo narrative.

Look after yourself and your loved ones - fuck everyone else. No point in sacrificing your life for people who don't give a shit about you.

>>	Anonymous Wed Feb 17 13:21:24 2021 No.28966354 File: 2.30 MB, 1503x2000, 1605367905550.jpg [View same] [iqdb] [saucenao] [google] >>28953993 It gets better

Anonymous Wed Feb 17 13:23:14 2021 No.28966499

Oh yes anon, all we have to do is get a few 10x within the next 3 years that crypto is unregulated, pay our soon to be 45% capital gains tax, find an affordable house in a neighbourhood that isn't going down the shitter, ignore the fud, not get scammed, avoid inevitable labour pm taking away more of our gains. And of course: not get stabbed.

>>	Anonymous Wed Feb 17 13:23:20 2021 No.28966506 >>28963050 >Imagine not having rich parents who bought your house for you

>>	Anonymous Wed Feb 17 13:24:25 2021 No.28966592 File: 32 KB, 500x357, paul-agent-profile-small-1.jpg [View same] [iqdb] [saucenao] [google] >We have a High Court writ

Anonymous Wed Feb 17 13:25:58 2021 No.28966692

>>28966354
It hurts because i got myself into about £15k debt in credit card (fuck you aqua, no 18 year old whose parents were on benefits and living in a council flat should be given a fucking £6500 limit) and bank loans and literally can't see a way out, yet all my mates are literally this now. If my crypto earnings don't pay off by the time i leave uni im suiciding.

>>	Anonymous Wed Feb 17 13:26:16 2021 No.28966713 >>28966499 "Move" to NL or similar with 0% CG tax

>>	Anonymous Wed Feb 17 13:27:17 2021 No.28966786 >>28965792 >>28966042 >Imagine not having a place in the city and the country

>>	Anonymous Wed Feb 17 13:27:34 2021 No.28966811 >>28966692 lmao what were you thinking lad? what did you buy?

>>	Anonymous Wed Feb 17 13:27:55 2021 No.28966834 >>28951891 love't money printer me. me and me missus bought 'ouse in't 98 like, goes up every year. simple as.

>>	Anonymous Wed Feb 17 13:29:16 2021 No.28966926 File: 87 KB, 1205x784, Diamond Hand Dogs.jpg [View same] [iqdb] [saucenao] [google] >>28962671 Have your own Outer Heaven

>>	Anonymous Wed Feb 17 13:29:59 2021 No.28966972 >tfw 80% of my net worth is tied up in boomer shit like property and pension I just want a bigger shitcoin stack lads

Anonymous Wed Feb 17 13:30:01 2021 No.28966975

>>28951891
real estate is simple : don't live near people, then it's affordable
the other day i found a mansion with 6200m2 of land, 5 bedrooms, beautiful, for 266k euros
you go to brussels buy a 100m2 appartment in a normal area you pay 50% more than that

Anonymous Wed Feb 17 13:30:23 2021 No.28967004

>>28965726
Do it. If you've been WFH for the last year and it's going fine then they probably can't say no. Legally they have to give a specific reason (there's a list of 13-ish valid ones) why you can't in order to decline your request, otherwise you can take them a tribunal.

www.gov.uk/flexible-working/applying-for-flexible-working

Our employment law is retarded lol.

Anonymous Wed Feb 17 13:31:36 2021 No.28967105

>>28966811
I was 18, and it was literally the first time in my life i'd had money; i'd gone from getting about £100 a year to spend on myself between my bday and xmas, to being given a stupidly high credit card limit on my first application. Then i spunked it all maxing it out in about 6 months on drugs, booze and vidya. I fucking hate myself for it.. Between my SAAS payments now at uni (im 25) and my part time job, im bringing in £1600 monthly, but paying about £1200 in my debts. This past year ive slowly accumulated crypto, put in about £300 over 6 months, and im at about £1200 atm. Im hoping to use that to at least clear the credit card by summer

>>	Anonymous Wed Feb 17 13:33:10 2021 No.28967210 >>28952366 Love these stream-of-consciousness stories

>>	Anonymous Wed Feb 17 13:33:39 2021 No.28967247 File: 193 KB, 804x736, john-cleese012423-jpg.jpg [View same] [iqdb] [saucenao] [google] Follow this patriotic Englishman's example and decamp to Nevis.

Anonymous Wed Feb 17 13:34:25 2021 No.28967303

>>28951891
Do we have to pay our rent atm lads? I've seen BoJo made it illegal for us to get evicted. I don't have any assets worth anything. Can they hit my guarantor if I don't pay rent? Plan on moving out soon anyway. Fuck rent, rather put it in a moonshot.

>>	Anonymous Wed Feb 17 13:34:33 2021 No.28967314 >>28967105 fucking hell lad... chin up, you'll get out from under it soon enough

>>	Anonymous Wed Feb 17 13:36:22 2021 No.28967456 File: 181 KB, 577x334, index.png [View same] [iqdb] [saucenao] [google] >>28952366 lmfao

>>	Anonymous Wed Feb 17 13:39:30 2021 No.28967702 >>28967314 I hope so. Im lucky enough that my partner supports me finacnially at least. She inherited a house so i don't need to worry too much about that, but i feel like such a pathetic cuck relying on her

>>	Anonymous Wed Feb 17 13:40:56 2021 No.28967816 File: 139 KB, 1024x1024, 1613552782740.jpg [View same] [iqdb] [saucenao] [google] >>28951891 You will get free housing. You will get free food. UBI is coming. You will be loving it. Now shut up and go back to work.

>>	Anonymous Wed Feb 17 13:41:11 2021 No.28967833 >>28967702 should be doing uber/deliveroo at night and on the weekends la

>>	Anonymous Wed Feb 17 13:49:05 2021 No.28968462 >>28965726 >it's the only way to make it unless you're on £70k+ or gifted £100k+ deposit I'm on £80k a year and have £60k saved up. I can barely afford a leasehold shitbox in London in Zone 5.

>>	Anonymous Wed Feb 17 13:49:29 2021 No.28968507 >>28968462 T H I S H I S

>>	Anonymous Wed Feb 17 13:52:29 2021 No.28968733 As soon as I graduate Uni I'm leaving this shithole, fucking hell lads I want to be patriotic but I just can't. There is no other country on earth as twisted as ours. We're about to get a few million chinks moving over as well what the fuck

>>	Anonymous Wed Feb 17 13:54:23 2021 No.28968866 >>28966926 Lol already saw this listing Unironically tempting

Anonymous Wed Feb 17 13:57:58 2021 No.28969126

>>28968733
Yep, I have a friend in Oslo who was telling me how I'd have absolutely no issues buying a flat there (it's not like Norway is cheap either)

I was looking at their listings and he was right lots of nice flats, better build standards and no leasehold kikery.

I just don't get it.

>>	Anonymous Wed Feb 17 13:59:08 2021 No.28969202 >>28962671 northern ireland

>>	Anonymous Wed Feb 17 14:01:29 2021 No.28969372 >>28952366 >>28952366 >>28952366 Jesus fucking christ I hate this country. Where do they get all this money? Are these sorts really on 30k each and think they are both minted.

Anonymous Wed Feb 17 14:02:00 2021 No.28969417
File: 45 KB, 504x458, ErSkvFCXcAAE1ZL.jpg [View same] [iqdb] [saucenao] [google]

>>28954686
It's a nihilistic situation that is only going to get worse. It's designed to force you onto the Help to Buy scheme which will cause a lot of people to default once the interest starts to kick in after 5 years. The Conservative Government is very crafty with their schemes. You remember the 9k a year university fee increase? that's just a 30 year tax which helps boost the economy. Same with the Help to buy, it boosts the economy after 5 years when the interest payments kick in.

If you live in the south east, you need to work 9x harder than you currently are just to not fall behind. That's based on the average house price on the average salary.

That's why I buy Monero.

>>	Anonymous Wed Feb 17 14:03:08 2021 No.28969493 >>28954686 >>28954686 >>28954686 >>28954686 >>28954686 Why buy a house? Money in the market has better returns and you can WFH now.

Anonymous Wed Feb 17 14:03:27 2021 No.28969517

>>28968462
If you're really serious about home ownership look into shared ownership if you want to stay in London.
Bought my house 6 years ago, was £440k and bought 40%.
3 years ago the house went up to £500k so took out my equity and bought the other half. Now own the whole thing and it's around £550k.
Before shared ownership we were looking at shitholes at £250k.
You can also use the HTB Isa with them and also miss out on stamp duty if it's your first home.
Despite desperate cope houses will never get cheaper, sure you could be lucky enough to catch the bottom of a "crash" but the conservatives will do whatever they can to keep the property market bloated

>>	Anonymous Wed Feb 17 14:04:56 2021 No.28969622 >>28961483 > calling XRP a scam while being all in LINK biz is by far the most retarded board.

>>	Anonymous Wed Feb 17 14:07:14 2021 No.28969812 >>28969493 Because whatever happens you have to live somewhere so you may as well be paying off your mortgage rather than someone else's off?

>>	Anonymous Wed Feb 17 14:07:21 2021 No.28969822 >>28952366 Top KEK at that pic, genuinely know people who live this exact life

>>	Anonymous Wed Feb 17 14:07:29 2021 No.28969831 What's wrong with a Barrat new-build home anyway?

Anonymous Wed Feb 17 14:10:44 2021 No.28970076

>>28969517
Nah I'm genuinely considering just fucking off. I work in software so I do have a lot of options.

I think I can have some kind of remote gig going on anyway. If I could maintain my current salary I could buy something decent in York.

Or just honestly fuck off to Slovenia or something and get a detached house for 200k and no Rasheeds near me.

>>	Anonymous Wed Feb 17 14:11:46 2021 No.28970155 >>28963050 Based. The only thing any high IQ person in Britain should be doing is investing in their emigration plan.

>>	Anonymous Wed Feb 17 14:12:17 2021 No.28970203 >>28969831 >Souless >Poor build quality; will be a massive scandal a decade from now when they start collapsing >Rip off prices and scams like leasehold aplenty >You are neighbors with the kind of people that buy Barratt homes.

>>	Anonymous Wed Feb 17 14:12:32 2021 No.28970226 >>28953129 > he thinks houses cost 9 times earnings lmao in France housing is priced at 30 to 60 times earnings.

>>	Anonymous Wed Feb 17 14:13:36 2021 No.28970297 >>28951891 >can't afford a house in bongland >can't afford a house in burgerland >can't afford a house in leafland >can't afford a house in strayaland where the fuck are we supposed to go?

>>	Anonymous Wed Feb 17 14:13:40 2021 No.28970304 >>28953129 £UFO Chad checking in

>>	Anonymous Wed Feb 17 14:14:42 2021 No.28970391 >>28969812 >you might as well make less money than more money uh, no?

>>	Anonymous Wed Feb 17 14:15:19 2021 No.28970450 >>28951891 Not while we import 100k niggers and sand niggers every year to drive the prices even higher

>>	Anonymous Wed Feb 17 14:15:55 2021 No.28970486 >>28970297 japan in cheap areas. People are nice

>>	Anonymous Wed Feb 17 14:16:14 2021 No.28970502 >>28970226 No it's not lmao

>>	Anonymous Wed Feb 17 14:16:28 2021 No.28970527 >>28962728 I pay £350 per month for a 2 bed house

>>	Anonymous Wed Feb 17 14:17:16 2021 No.28970584 >>28970297 You can get a house for £20k in UK.

>>	Anonymous Wed Feb 17 14:18:33 2021 No.28970686 >>28970297 You will own nothing.

Anonymous Wed Feb 17 14:19:42 2021 No.28970771

>>28951891
>Is home ownership even realistic in this shithole anymore lads?
That's button money, I asume you are a retarded slubrat? The UK is a horrible place, I have no idea why people live there. I do keep a hunting lodge in Scotland but England is a sewer of retards and diversity mixed with some of the stupidest people on the face of the earth. Muh Breexit. The english have gone into a gentic death spiral since the good dna died in ww1 and ww2

>>	Anonymous Wed Feb 17 14:21:53 2021 No.28970940 >>28970527 Norf?

>>	Anonymous Wed Feb 17 14:22:04 2021 No.28970964 >>28959112 You can either work 9x as hard (average house price / average salary) Or you can buy Monero like your life depends on it for the next 12 months.

Anonymous Wed Feb 17 14:22:27 2021 No.28970987

>>28970391
What are you talking about?
My mortgage is the same cost of my house if I rented it but with paying a mortgage I get that money rather than some old boomer with their handful of buy to lets
The only downside is paying the deposit but there's been 5% deposit mortgages on the market for years so not really sure what you're on about

>>	Anonymous Wed Feb 17 14:22:28 2021 No.28970989 >>28970940 yes

>>	Anonymous Wed Feb 17 14:23:05 2021 No.28971042 File: 107 KB, 500x740, 1613495286029.jpg [View same] [iqdb] [saucenao] [google] >>28970502 Yes it is. One square foot of real estate in Paris costs 1.5 to 2k usd. The average salary in Paris is lower than West Virginia's.

>>	Anonymous Wed Feb 17 14:24:43 2021 No.28971179 >>28970987 owning is much more expensive than renting. You have more money to invest if you rent, and you can make higher returns than your house, which is a 2x at most, probably not even that

>>	Anonymous Wed Feb 17 14:25:04 2021 No.28971211 >>28951891 Bought a house in December 2019 , in 1.3 months it’s value has gone from gone from 220k to 275k. All because people in cities now want to live and small countryside villages. Fuck those city dwellers

>>	Anonymous Wed Feb 17 14:26:08 2021 No.28971284 >>28971042 Aside from Scotland I own houses in France. They are not expensive. 40-100K gets something habitable in decent parts of France. Most French rent though.

Anonymous Wed Feb 17 14:26:15 2021 No.28971293

>>28970297
>can't afford a house in burgerland
>can't afford a house in leafland

Imagine seriously thinking this. If you expand your search wider than the big cities, you can afford a house in these countries. Same cannot be said about the UK as it is just too small and densely populated.

>>	Anonymous Wed Feb 17 14:26:44 2021 No.28971347 >>28971179 How is it more expensive?

>>	Anonymous Wed Feb 17 14:26:58 2021 No.28971363 >>28971284 Bad attemptbat larping.

Anonymous Wed Feb 17 14:27:06 2021 No.28971378

> Grew up w/ mentally ill alcoholic parents
> Somehow managed to get through university with a first class degree in CS whilst living at home
> Got my first job outside of London (29k) before even graduating
> Looked into buying a house
> Not happening
> Looked into buying a fucking 1 bedroom flat
> Realised I'm probably going to have to put up with these mother fuckers for another 5-6 years and save everything I earn before I can consider buying a teeny-weeny 1 bedroom flat.

Life fucking sucks man.

>>	Anonymous Wed Feb 17 14:27:11 2021 No.28971391 >>28971179 If it covers tax and maintenance and comes in with 3-5% that's about all. Its comparable to a blue chip dividend

Anonymous Wed Feb 17 14:27:27 2021 No.28971419

>>28960130
It really doesn't work like that anon. There's a reason why these shitholes are priced so low during the biggest all time high of housing mankind has ever seen. They will not grow at the rate these other places have.

You need to invest in something that will go up at a minimum rate of 9x

>>	Anonymous Wed Feb 17 14:28:14 2021 No.28971493 >>28971363 I'm actually telling the truth kid. Houses are cheap in France and I own several, I got into that when you could buy them for 10K about 20 years ago

>>	Anonymous Wed Feb 17 14:28:21 2021 No.28971500 >>28971042 One small area, the same could be said for London. The rest of Frances housing is much cheaper than UK.

Anonymous Wed Feb 17 14:28:22 2021 No.28971503

Bros, I've had a massive confidence knock recently. Currently on a graduate program working towards becoming a Chartered Engineer, but currently on low £20k and I was rejected for a promotion. 4 Fucking years experience and I have done all I can to learn and progress and I'm still on a shit wage.

I'm either much dumber than I think or I'm really unlucky but it's so disheartening to put in so much effort to my own development and not have it go anywhere.

Employer paid for my degree so I'm stuck here for a few years before I can leave unless I want to pay it back. Seemed like a good deal at the time but I expected progression to be much quicker

>>	Anonymous Wed Feb 17 14:29:01 2021 No.28971557 >>28971293 Afford means also having a job that can pay for it, of which there aren't any in the "affordable" areas >>28971347 maintenance and property tax are the big ones

Anonymous Wed Feb 17 14:29:24 2021 No.28971586

I lived on a narrowboat when I was living in London. Was pretty lucky because it was actually my dad's and I just "took care" of it when he didn't want to use it for holidays. It was worth £20k and I paid all registration, insurance, and other costs for it. (about £2k a year)

There's a lot of headache and hassle with this approach, including having to keep moving around every two weeks, constant boat maintenance, constantly having to do chores like emptying the shitter, filling the water, keeping an eye on the diesel and battery levels, problems with security depending on where you are tied up etc, but I saved shedloads of cash on rent and it was a fun lifestyle in many ways.

Now I live in the baltics, paying bugger all in rent, and want to set up a small hobby farmstead. I can do it for about £50k initially which I can pay cash for.

Not the approach for everyone, but working for me.

>>	Anonymous Wed Feb 17 14:29:41 2021 No.28971614 >>28971500 True, it does not matter, he's british and the only place that will take him now is wales and england.

Anonymous Wed Feb 17 14:30:02 2021 No.28971646

>>28971378

Uni degree - first job at 29k

Ahahhahahahahahaha

Studied engineering in the navy. Left after 10 years. Now in a job at 67k a year tax free saudi style . Not in debt free qualification living like a king

Sorry anon, you should have got into a trade

Anonymous Wed Feb 17 14:30:26 2021 No.28971687

>>28971179
What are you talking about you clown.
As I pointed out my house that I bought for £450k is mortgaged for £1,800 a month.
If I was going to rent my house, it is rentable for £1,800 -£2,000 a month according to the local estate agent.
How is it then more expensive to own than rent? As I said the only downside to owning is you have to stump up a big deposit.
This also doesn't take into account when renting the landlords can legally up your rent by a couple of % every year

>>	Anonymous Wed Feb 17 14:31:06 2021 No.28971733 >>28954973 Fuck knows. Decent Brits have proper dogs, like Border collies.

Anonymous Wed Feb 17 14:31:19 2021 No.28971748

>>28971503

You are in a good position, no uni debt and a steady'ish job. Give it a few years and you'll be doing well, just invest whatever you can in crypto, cash out in September and rebuy the dip. Wait 4 years for the next halving and you should be fine. Just don't go all in on shit coins

Anonymous Wed Feb 17 14:31:32 2021 No.28971774

>>28961931
Where in the south can you do this? You're living in a fucking Alaskan fairy tale. How do you think you're going to run water and electricity/gas to this cabin? How do you expect to get ahead in life if everything takes 2 hours commuting in order to get basic necessities. You might as well go to Africa.

>>	Anonymous Wed Feb 17 14:33:26 2021 No.28971915 File: 292 KB, 945x745, BHSREAD.jpg [View same] [iqdb] [saucenao] [google] >>28958578

Anonymous Wed Feb 17 14:33:28 2021 No.28971919

>>28971557
>Afford means also having a job that can pay for it, of which there aren't any in the "affordable" areas

Choose your favourite city, search within a 45 minute driving distance, and you'll find single family homes on an acre or more of land for $300k or so. Or work from home and live even further out for an even lower price. Easy.

>>	Anonymous Wed Feb 17 14:34:21 2021 No.28971987 >>28971687 you pay 1800. Plus you pay property tax on top of that. Plus you pay maintenance costs. To make a profit renting you'd need to ensure it's occupied every month of every year

Anonymous Wed Feb 17 14:37:09 2021 No.28972197

Tried to buy last year but having reviewed the lease it was a piece of shit. It hadn't undergone a statutory extension (despite being advertised as so), the rent hadn't reverted to peppercorn and there was what essentially constituted a break clause for redevelopment meaning that the period of guaranteed occupancy was greatly reduced.

Fucked it off and invested the £25k deposit. Currently at around £150k but totally cognizant that this is unrealised gains and means very little right now. £40k job with a company car that's a 'pool car' so no running costs. Early 30s though so no spring chicken.

Paying minimal rent in meantime. Have no desire to buy until financially comfy with minimal mortgage requirement. Or will look to move abroad if UK continues on its path of seemingly inexorable societal decline.

Anonymous Wed Feb 17 14:37:31 2021 No.28972227

>>28971987
What are you on about?
Theres no tax, the first house you buy you don't have to pay any stamp duty. Maintenance costs for what? If you break anything in a rented house you have to replace it so how's that any different from a home you own?
Not sure what you're going on about having it occupied for, I'm not planning on renting it out that was just to show you that the cost of my house to own or rent is essentially the same so if you rent and don't own you're literally pissing money away every month

>>	Anonymous Wed Feb 17 14:39:05 2021 No.28972356 >>28965532 Fuck off, I've been looking to move to Yorkshire, it's more expensive than the SE where I Iive.

>>	Anonymous Wed Feb 17 14:39:35 2021 No.28972394 >>28972227 He's talking about America, huge property taxes there, even if you outright own the home, you get cucked for thousands a year

>>	Anonymous Wed Feb 17 14:40:28 2021 No.28972470 > tfw invested my deposit in meme coins

>>	Anonymous Wed Feb 17 14:41:27 2021 No.28972563 >>28971646 would sooner be on the dole that live in saudi have some self respect

>>	Anonymous Wed Feb 17 14:42:25 2021 No.28972645 >>28972470 I did exactly this. Some of it even went into NYAN.

>>	Anonymous Wed Feb 17 14:45:18 2021 No.28972895 File: 128 KB, 788x924, Es-JL0TXIAAC3WC.jpg [View same] [iqdb] [saucenao] [google] >>28952366 I fucking love Deano memes, if anyone has more please post them

>>	Anonymous Wed Feb 17 14:46:44 2021 No.28973031 I have 35k saved in northern ireland. A terraced house costs about 60k so think i'll be alright. People in the south of england are completely fucked though

>>	Anonymous Wed Feb 17 14:46:47 2021 No.28973032 >>28972895 Not many were ever made desu

Anonymous Wed Feb 17 14:55:40 2021 No.28973761

>>28951891
>Recent grad
>Just got started in data career
>£20k in Crypto
>Live with parents, no rent
>Feeling depressed AF

Will probably be earning 50k + in a couple of years, but I can't help feel that I'm living in a dystopian nightmare. Gym is something that I actually enjoy, but they're closed atm. Can't meet girls or do anything.

It would make financial sense for me to stay with my parents as long as possible, but I feel like shit living here. Worried that I'll move out though, hate my career and want to end myself.

>>	Anonymous Wed Feb 17 14:57:19 2021 No.28973891 >>28973031 >>28973031 >>28973031 Mate there are 3 bed houses sprouting out of the ground here why a terraced damp shithole from the 40s?

>>	Anonymous Wed Feb 17 14:57:52 2021 No.28973931 Just do what I did, buy in 2019 kek.

>>	Anonymous Wed Feb 17 15:03:52 2021 No.28974410 >>28973891 Cheaper. I don't do any overtime at work and can't be fucked doing any. More time in life to do things i actually like doing (wanking and sniffing gear).

>>	Anonymous Wed Feb 17 15:07:55 2021 No.28974717 >>28969417 There is nothing the government can do to "boost the economy", all central planning is a drain on resources and energy

>>	Anonymous Wed Feb 17 15:13:34 2021 No.28975128 File: 177 KB, 1300x866, 85302134-old-torture-practice-with-ladder-dummy-instalation.jpg [View same] [iqdb] [saucenao] [google] >>28954747 >Ahwell on the ladder now.

Anonymous Wed Feb 17 15:14:34 2021 No.28975201

How much savings should I have by the time I graduate university? Because I had barely anything... I didn't have a job during university and I pretty much lived off the maintenance loan entirely.

I just started a graduate job this month making £30k but I live with my parents at the moment, so no real living costs. I was thinking of just investing into crypto and I don't really know where to start.

>>	Anonymous Wed Feb 17 15:14:52 2021 No.28975216 >>28972563 forever poor

>>	Anonymous Wed Feb 17 15:16:05 2021 No.28975310 >>28975216 forever a pathetic little rodent

Anonymous Wed Feb 17 15:18:17 2021 No.28975464

>>28951891
my family owned 2 houses when i was younger, then the financial crisis of '08 happened, then my parents broke up. Sold both fucking houses. Rented a crib with my mum for 10 years, now weve inherited a house in essex.
Going to make sure mum doesnt sell it because i will skin her alive

>>	Anonymous Wed Feb 17 15:18:22 2021 No.28975472 buys a house a calls himself a millionaire lol

>>	Anonymous Wed Feb 17 15:18:53 2021 No.28975503 >>28958252 Your friend is a fool and a fool and his money are easily parted

Anonymous Wed Feb 17 15:19:27 2021 No.28975547

>>28975310
what's your annual take home anon?

18k
24k
30k

????

Its not the first time i've lived ina foreign country as an enlgish man to earn £££

Countries nice, people are nice , house paid for , car provided, private bupa healthcare.

all i have to pay for is food.

Tell me again how living on the dole would be 100* better.

Continue to be poor, i plan on retiring at 50 with my wife.

Message me in 16 years when your still a wage fag living with your parents

>>	Anonymous Wed Feb 17 15:20:23 2021 No.28975625 >>28975201 invest, invest, invest.

>>	Anonymous Wed Feb 17 15:22:18 2021 No.28975764 >>28975547 Absolutely seething

>>	Anonymous Wed Feb 17 15:24:53 2021 No.28975982 File: 52 KB, 1267x330, deano in his new deanobox.png [View same] [iqdb] [saucenao] [google] >>28972895

>>	Anonymous Wed Feb 17 15:25:57 2021 No.28976059 File: 44 KB, 474x508, external-content.duckduckgo.jpg [View same] [iqdb] [saucenao] [google] >>28975764 still live with your parents

>>	twenty !!dtJOBm5DdiM Wed Feb 17 15:28:14 2021 No.28976240 File: 6 KB, 225x224, dedede.jpg [View same] [iqdb] [saucenao] [google] >>28959658 >are language top fucking kek

>>	Anonymous Wed Feb 17 15:29:36 2021 No.28976361 Bought a three bed semi just outside Cardiff for 140k, stop looking in London and move out to the burbs.

>>	Anonymous Wed Feb 17 15:30:02 2021 No.28976404 >>28959818 That hurt but yes my sport science degree hasn't really made a difference other than helping me get interviews.

>>	Anonymous Wed Feb 17 15:31:24 2021 No.28976527 >>28952366 Literally 50% of the guys I went to secondary with live like this 10 years later

>>	Anonymous Wed Feb 17 15:33:09 2021 No.28976658 >>28975547 55k, with moral integrity in tact enjoy your money bugman

>>	Anonymous Wed Feb 17 15:34:58 2021 No.28976809 >>28964543 You only have a duty to go down with the ship if you're the captain, I'm certainly not the one steering this ship into the iceberg, if you're smart you're looking for a lifeboat

>>	Anonymous Wed Feb 17 15:35:29 2021 No.28976834 File: 962 KB, 2560x1255, 15424101177_5fe6b80cb7_o.jpg [View same] [iqdb] [saucenao] [google] >born in an expensive rural area >no intention to leave >£400,000 for a semi-detached ex council box i can't be the only one

>>	Anonymous Wed Feb 17 15:36:00 2021 No.28976870 >>28965077 I realised this too

>>	Anonymous Wed Feb 17 15:36:28 2021 No.28976905 File: 31 KB, 534x534, lol.jpg [View same] [iqdb] [saucenao] [google] >>28976658 55k and yet you pay taxes XD. whilst im earning 66k tax free im not sure how many 5 star restaurants i can go to visiting dubai each month. Ive lost count

>>	Anonymous Wed Feb 17 15:38:25 2021 No.28977042 >>28976834 Sorry to hear that pal. At least you're not from a grey shithole (Manchester) where you have to pay out the ass to live somewhere miserable. Where is that photo from by the way it looks lovely?

>>	Anonymous Wed Feb 17 15:38:49 2021 No.28977070 >>28976905 you'd have to pay me to visit dubai. 5* restaurant? what the fuck even is that? good restaurants go up to 3*. tasteless runt. don't reply.

>>	Anonymous Wed Feb 17 15:41:31 2021 No.28977268 >>28977070 Keep being poor , SEEEEEEEEEEEEEEETH

>>	Anonymous Wed Feb 17 15:41:59 2021 No.28977302 >>28977042 what the fuck is going on with manchester property prices? spotted an 800k FLAT in fucking didsbury on rightmove a few weeks back

>>	Anonymous Wed Feb 17 15:42:59 2021 No.28977376 >>28966926 best part about this is having a few miles of water between you and Portsmouth

>>	Anonymous Wed Feb 17 15:45:46 2021 No.28977545 >>28975982 kek

Anonymous Wed Feb 17 15:46:10 2021 No.28977580

>>28977302
>spotted an 800k FLAT in fucking didsbury on rightmove a few weeks back
I've never looked at prices around Manchester as I've left, and £800k does sound weirdly high. Didsbury is where all of the well off youngish people congregate so everything is real fucking expensive in that area. They push out people who are somewhat well off and young to Chorlton, and increasingly into where my family lives. You can tell because my highstreet went from being hardware shops and vape stores to being quirky bars within a year of me being away. Eight or so of those places popped up within a five minute walk of each other, it was unreal.

>>	Anonymous Wed Feb 17 15:47:07 2021 No.28977651 >>28977580 Imagine all that pussy anon

>>	Anonymous Wed Feb 17 15:48:11 2021 No.28977729 >>28964471 fucking wise post this

>>	Anonymous Wed Feb 17 15:49:24 2021 No.28977816 >>28977651 Not these days, everything's going to be shut if not closed down by now thanks to lockdowns. The pussy from my hometown is really not something you'd want to find yourself in. Got a qt gf 7 years younger than me anyway.

>>	Anonymous Wed Feb 17 15:52:36 2021 No.28978068 File: 344 KB, 2000x1000, external-son.jpg [View same] [iqdb] [saucenao] [google] >>28977816 GIVERRRRRRR ONE FOR ME SON

>>	Anonymous Wed Feb 17 15:55:31 2021 No.28978310 >>28964471 >>28964471 Stop my dick only gets so hard

Anonymous Wed Feb 17 15:55:40 2021 No.28978328

>>28977580
https://www.rightmove.co.uk/properties/102779075#/
>buy 850k flat and take the magic bus to work :^)
lived in fallowfield when I was a student, fucking pakis and boomers buying up the housing stock and turning them to HMOs to rent to retarded souf students

>>	Anonymous Wed Feb 17 15:55:43 2021 No.28978332 >>28965977 Leith is paki and nigger central why would anyone pay to live there

>>	Anonymous Wed Feb 17 15:57:08 2021 No.28978450 >>28951891 it's literally >you will own nothing in action. you WILL own nothing. you will rent. and if you don't rent, you will save until you're 35 for a down payment and then take on a 30-40 year mortgage.

>>	Anonymous Wed Feb 17 15:59:20 2021 No.28978628 >>28978328 I went to Uni of Manchester too, though I never lived in Fallowfield I thought it was a dump. Lived closer to the uni and got a much nicer house for the same rent.

Anonymous Wed Feb 17 16:00:56 2021 No.28978757
File: 2.58 MB, 3462x2279, 15103598803_04bdd4b716_o.jpg [View same] [iqdb] [saucenao] [google]

>>28977042
that's cley church in north norfolk. many coastal churches in the area are paradoxically massive for their small villages, because norfolk used to get a great deal of imported and smuggled trade with the continent, so there was a lot of money about. now the money comes in from retirees

>>	Anonymous Wed Feb 17 16:02:52 2021 No.28978911 >>28955973 > complain about boomers > act like boomers What is wrong with millenials in the UK.

>>	Anonymous Wed Feb 17 16:05:38 2021 No.28979145 >>28978757 Nothing wrong with having massive churches everywhere.

>>	Anonymous Wed Feb 17 16:11:20 2021 No.28979591 Lol I'm gonna buy a £600k london flat for my first house after graduating from uni. Starting salary: £50k + bonus £150k saved from crypto Will use help to buy for 40% of the loan

>>	Anonymous Wed Feb 17 16:14:15 2021 No.28979808 imagine voting for Brexit. Its like not buying crypto.

>>	Anonymous Wed Feb 17 16:16:09 2021 No.28979955 >>28964543 thanks for holding my bags

>>	Anonymous Wed Feb 17 16:16:23 2021 No.28979975 >>28952366 What crypto does deno hold?

Anonymous Wed Feb 17 16:16:30 2021 No.28979980

>>28951891
>>28951961
>>28951974
>>28956427
>>28956586
>>28956624
>>28956706
>>28956722
>>28956760
>>28956776
>>28958278
>>28958307
>>28958335
>>28958424
>>28958578
>>28959112
>>28959115
>>28959127
>>28959201
>>28959222
>>28959255
>>28959531
>>28959583
>>28959658
>>28959818
>>28959818
>>28959940
>>28960130
>>28960166
>>28960246
>>28960561
>>28960567
>>28960800
>>28961165
>>28961284
>>28961483
>>28961639
>>28961465
>>28961881
>>28965628
>>28965792
>>28967816
>>28967702
>>28967456
>>28967247
>>28967210
>>28967105
>>28967004
>>28966926
>>28966972
>>28969417
>>28970297
>>28970304
>>28970391
>>28970527
>>28970584
>>28970771
>>28970987
>>28971378
>>28971391
>>28971503
>>28971774
>>28971919
>>28972197
>>28972227
>>28972356
>>28972563
>>28972470
>>28972895
>>28973031
>>28973032
>>28973761
>>28973891
>>28973931
>>28975128
>>28975201
>>28975464
>>28959658
>>28976240
>>28976361
>>28976404
>>28976527
>>28976658
>>28976834
>>28976870
>>28976905
>>28977042
>>28977070
>>28977268
>>28977302
>>28977580
>>28977816
>>28978068
>>28978310
>>28978450
>>28978628
>>28978911
>>28979145
Reminder that all br*ish "people" are subhumans and that they allow pakis and niggers to violently rape their children.

>>	Anonymous Wed Feb 17 16:16:45 2021 No.28979999 >>28979591 So many things wrong with this anon, my sincere apologies to your future self.

>>	Anonymous Wed Feb 17 16:19:02 2021 No.28980193 >>28979999 Name 5

>>	Anonymous Wed Feb 17 16:19:41 2021 No.28980241 File: 216 KB, 1000x1000, 1613260480324.jpg [View same] [iqdb] [saucenao] [google] >>28979980 We're a subjugated people, if the general mood of the country wasn't against this there wouldn't be so many draconian laws preventing dissenting views

>>	Anonymous Wed Feb 17 16:20:31 2021 No.28980310 >>28967105 Fuck sake. Only thing you should ever pay the Compounded Jew on is a house. Drive old Civics too.

>>	Anonymous Wed Feb 17 16:20:47 2021 No.28980336 >>28980241 Cute minju friend

>>	Anonymous Wed Feb 17 16:21:39 2021 No.28980414 >>28978628 >I went to Uni of Manchester too neat, what course? I did EEE >Lived closer to the uni and got a much nicer house for the same rent. Victoria park?

Anonymous Wed Feb 17 16:22:25 2021 No.28980482
File: 59 KB, 992x660, D_LQ2NDU8AA737o.jpg [View same] [iqdb] [saucenao] [google]

>>28979591
>>28979999
>So many things wrong with this anon, my sincere apologies to your future self.
my first reaction as well. but sadly he will end up doing well, as all our cucked governments will do everything possible to protect and reward those who debtmaxx their houses and fuck over everyone else

>>	Anonymous Wed Feb 17 16:22:30 2021 No.28980491 >>28952676 Hahahaa loisence hahaha Xdddd hahahahHB fucking fat retard

>>	Anonymous Wed Feb 17 16:23:29 2021 No.28980573 >>28979999 >>28980482 cope poorfags

>>	Anonymous Wed Feb 17 16:25:52 2021 No.28980774 >>28979980 thanks

>>	Anonymous Wed Feb 17 16:26:03 2021 No.28980786 >>28980414 Studied Plant Biology, yeah lived in Victoria Park after living in Grovsner Halls (RIP).

>>	Anonymous Wed Feb 17 16:27:08 2021 No.28980873 In this new era of home office, housing prices in big cities will crash. Just give it 10-15 years. You'll see how all those 1 million shoeboxes go to 10-20k because the majority of people don't have to live in the city to find a good job.

>>	Anonymous Wed Feb 17 16:28:58 2021 No.28981035 overpopulated shithole

Anonymous Wed Feb 17 16:29:05 2021 No.28981049

>>28980310
I really wish i knew how bad it'd be. My dad was severely ill since i was 5, and my mum a full time carer, we never had much, and i was never really taught about finances very well. but i went to a top tier school (top public in scotland), with a lot of very well off people who i was always jealous of, so getting that money i suddenly felt i could live like them. It's fucked me up so much more though and at this point, i just want to clear it all so i can start from scratch.

Anonymous Wed Feb 17 16:30:28 2021 No.28981160

>>28964471

this guy knows whats up.
The English language lacks the words to describe the full scope of boomer failure.
worst generation of people in the last 500 years at least, and possibly ever when you take into account what they inherited and how little they will leave behind.
Talking to them only grows your disgust, as they tell you grand stories about how hard it was in their day
they are all soulless scum who should be denied a headstone

>>	Anonymous Wed Feb 17 16:30:45 2021 No.28981180 >>28981049 You have 15k debt and act like your life is ruined lol you can pay that off in 1 year on minimum wage if you live frugally

>>	Anonymous Wed Feb 17 16:31:21 2021 No.28981222 >>28981049 why not declare yourself bankrupt ?

>>	Anonymous Wed Feb 17 16:35:45 2021 No.28981619 >>28970297 Pakistan

>>	Anonymous Wed Feb 17 16:37:32 2021 No.28981762 >>28979980 >>28979980 >>28979980 Never give up your guns.

>>	Anonymous Wed Feb 17 16:41:43 2021 No.28982111 >>28965792 £165k? Are you moving to Staveley or Clay Cross or some other slum?

Anonymous Wed Feb 17 16:42:20 2021 No.28982159

>>28981049
shouldn't necessarily cash out crypto to pay off the debt: if the rates make sense, leverage it to provide liquidity in def markets and liquidate the tokens farmed to make your payments. that way you keep skin in the game AND kill your debt. but this only makes sense if you can get a return higher than the APR on your current credit card debt (while also considering the tax implications, ofc).

Anonymous Wed Feb 17 16:44:01 2021 No.28982303

>>28981222
Considered it but it'd just fuck my parents over hard if they came to reclaim shit since im registered under their address

>>28981180
I do have a job, but the vast majority of my wages go into repayments which don't move the debt by much once interest is applied

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/biz/ - Business & Finance