#remortgaging near me

[f0point5]

I fully support the Jos Hate Brigade coming after the Ocons, also what is up with Anthony Hamilton👀👀 i am honestly getting irritated with people acting like Jos is the devil incarnate, completely ignoring how Max seems to have a pretty good relationship with him (and that radio message telling him how proud he is of him was actually so sweet)

Anthony Hamilton remortgaged his house, and quit his full time job in IT (I believe to be a contractor) to manage Lewis’s karting career. All this while he had a wife and other kids to support.

Nowhere near as bad as Ocon’s parents because while Lewis likes to insinuate that he crawled out of the gutter like a Victorian street urchin, the Hamiltons by all accounts, were a middle class family (owned property, Anthony worked a steady, skilled job). Him quitting his job didn’t mean he didn’t have income, as far as I’m aware. Contracting work pays a lot more than fixed income, you are just able to take breaks in between contracts and have a more flexible schedule, and he had the skills to return to full time work if he wanted. So not as far as betting his family’s future but still..pretty sure Lewis was about 9 at this point.

Also, he managed Lewis’s career for a long time. He was the meddling parent. Lewis eventually fired him in I think 2010. It came out that Anthony had misled Lewis over a deal that had lost him a lot of money (around 20 million if I remember right), which Anthony tried to conceal because he thought he could fix it. Lewis fired him and they then weren’t speaking, but Anthony publicly claimed that Lewis owed him about 4 million for his services as a manager. Lewis said last year that having his dad as his manager meant his dad basically wasn’t able to be an emotional available father to him.

All that, and I believe that Anthony was the one who contacted Christian about a red bull seat last year without Lewis knowing, because he’s still a meddler.

He just seems like he lived through Lewis. He gives interviews saying nothing good ever happened to him (bro you’ve been married twice and have two kids…rude) but it did for Lewis, and how driving for Ferrari was always his dream for Lewis. He also just has that same “life was oh so tough for me poor me” vibe that he seems to have forced on his son. It’s crystal clear he was the pushiest of dads, which don’t get me wrong, you need in order for a kid to be successful, but to choose to be a manager rather than a father when it matters…is he your son or your product?

Idk, he’s giving Jos Verstappen, and not in a good way. Lewis talking about his experience with his dad and comparing it to Max’s the other week in the press was the only time I was like, “yes king speak”. And to be fair he was very respectful. But he point blank said he knew how unhelpful it was when the lines get blurred.

On the Max note, I always say Jos wouldn’t get the wrap he does if more people knew what it takes to get a kid to this less of sport. Jos made his mistakes 100% but you won’t get your kid to F1 by being the perfect parent. Also, Jos did a lot wrong but you can see he probably did more right. People overlook how rare it is to be able to have the relationship he has with Max. To be Max’s age, with Max’s achievements, and his resources, and still want Jos around that much and for them to be that close, that doesn’t come from a relationship with no positives. People act like Jos was tough on Max 100% of the time, but if he wasn’t emotional present, Max wouldn’t want him around all the time, in a personal capacity. He has said many times that he calls Jos for advice on personal stuff. The fact that Max’s favourite song is still the one he used to listen to in the van with Jos on their way to Italy speaks volumes. And for all his “Verstappen 2.0” shit, it’s clear that he appreciates Max as a son. And he seems to have a good relationship with his other kids. (My controversial theory is that he is a soft girl dad but that’s a whole other thing). But yeah basically I think he is over-roasted by people who don’t really understand the industry of high performing kids.

[spxnglr]

I'd like to thank me for leaving that lil' self-reminder about this, anyway what is up everybody welcome to yet more emotion-inducing headcanons about this boy with Pops.

Today we're talking about Egon's relationship with pessimism VS realism.

Now, if y'all have at least watched the original film (which I bloody hope you have, and if you haven't? I demand you watch it immediately, right now, stop what you're doing and watch it) you'll have noticed that Egon almost always carries around a calculator. Occasionally a heckin chonker, but most of the time it's a lil' dinky thing that fits easily into his pocket.

Why, I hear you ask? Egon loves, and I mean LOVES to do what I call "pessimist calculations". Essentially, he always formulates, or tries to formulate, the worst possible scenario for any situation he's in. Take the scene as they leave the bank, for example, after Ray remortgages his home so that the team have money to play with, and Ray is already feeling a lil' sceptical, but you can see Egon typing away on his dinky calculator in the background, eventually informing Ray that he's looking at $95,000 in payable interest alone over the next five years. I deal a lot in credit for my job. Naturally, we all know that the more your monthly payments are, the less interest you'll be charged. With this in mind, I'm going to assume with confidence that Egon was working out the amount based on if only the minimum payment for the loan was made each month - in other words, the pessimist's calculation.

The scene near the beginning, when they're all in the public library after meeting their first ghost and Peter asks them both "what are we gonna' do?", and the first thing Egon does is reach for his calculator, which Peter slaps out of his hand. That's because Peter KNEW that Egon would only work out the worst possible outcome.

Also, crossing the streams? Remember that? The long speech Egon made to Peter about what would end up happening if one of them got hit by a proton beam? He then tried to sound optimistic by saying "there's definitely a very slim chance we'll survive", but it was weak. SO WEAK. Again, his focus is on the worst possible outcome.

I could reference more - there's a point I wanted to make that connects this to Afterlife, but I'm aware I've already rambled on too much so I'll save that for another post - but with all this in mind, you'd expect me to say "JFC, Egon really gives off a pessimist vibe", but I don't think he's a pessimist at all. I definitely think he treads the realist line a lot more. All of these calculations, trying to work out the worst circumstances he and the others could ever find themselves in - that's so he can prepare for them. He's autistic, remember. He very much loves to plan and micromanage his life as much as he can, and this to me is just another aspect of that. When it comes to the safety of his friends ESPECIALLY, my guy is not going to do anything before he understands the full extent of what he's dealing with, and the worst possible outcome, just so he can prepare himself and the others as much as he can - because, as the saying goes, failing to prepare is preparing to fail, and we all know how he feels about failure.

[imminentbir]

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[mortgageselectorsuk]

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[olko71]

New Post has been published on All about business online

New Post has been published on https://yaroreviews.info/2023/09/hope-for-mortgage-rate-cuts-after-bank-of-england-decision

Hope for mortgage rate cuts after Bank of England decision

Getty Images

By Kevin Peachey

Cost of living correspondent

Mortgage rates should fall following the Bank of England’s decision to keep its key interest rate on hold, brokers say.

So far the response has been muted, with the Nationwide the only major lender to reduce mortgage rates since the Bank’s announcement was made.

Brokers expect more competition among lenders in the coming weeks.

But they warn that changes are likely to be slow, with little prospect of the Bank rate being cut in the near future.

The Monetary Policy Committee’s decision to hold the Bank rate at 5.25% was somewhat of a surprise, with many analysts expecting a 15th consecutive increase.

It will bring immediate relief to 1.4 million people on tracker and standard variable rate (SVR) deals who have been seeing regular increases in their monthly repayments.

Even after rates were held, compared with December 2021, those on a tracker mortgage are paying £540 more a month, or £299 more a month on a SVR.

Around three-quarters of mortgage customers hold fixed-rate deals. Banking trade body UK Finance says there are about 800,000 of these deals ending in the second half of 2023, and about 1.6 million expiring next year.

Brokers said there was now a better chance of these borrowers getting mortgage rates of less than 5% when they renew.

“I expect more lenders will lower their fixed mortgage deals over the coming weeks,” said Aaron Strutt, from Trinity Financial. “Mortgage rates need to be closer to 4% to bring more confidence back to the market.

“There certainly is not a full-on price war at the moment, but rates are coming down as the cost of funding mortgages falls.”

The UK’s biggest building society, the Nationwide, reduced rates by up to 0.31 percentage points on Friday.

Other lenders have been nudging down the cost of their new fixed rate mortgages recently, including announcements from TSB before the Bank’s announcement on Thursday and NatWest on Wednesday.

Mortgage calculator: Will my payments rise?

Andrew Montlake, from broker Coreco, said the end of the string of Bank rate rises allowed lenders some “space” to cut their mortgage rates.

“This will be a slow and steady fall rather than anything dramatic and the current plateau looks like it will be a stable place for some time yet,” he said.

The latest figures show that the average two-year fixed mortgage rate fell slightly to 6.56% on Friday, compared with 6.58% on Thursday. The typical five-year fixed deal is 6.06%, according to the financial information service Moneyfacts.

Nicola Valentine

Nicola Valentine said she was “breathing a sigh of relief” on hearing that rates were being held.

But the tax accountant, from Isleham, Cambridgeshire, is still “hugely anxious” because her mortgage is due to go up by about £300 a month.

Her 2.9% fixed-rate mortgage deal expires in November. She has cancelled TV and gym subscriptions, and stopped buying new clothes and takeaways, but still does not know how she will find the extra money.

“I’m praying the rates have peaked now and will start to go down because this is really unsustainable for me. I feel completely helpless,” she said.

Mortgage holders react to news of interest rate freeze

Most people remortgaging will still pay significantly more than their previous deal, as interest rates are far higher than people became accustomed to for more than a decade.

The Bank of England governor, Andrew Bailey, has played down any chances that the Bank rate might start to be cut soon.

“I can tell you that we have not had any discussion… about reducing rates, because that would be very, very premature. Our job is to get inflation down,” he said.

Lucian Cook, head of residential research at estate agency Savills, predicted further falls in UK house prices as a result.

“A material improvement in mortgage affordability requires the prospect of a cut in interest rates coming onto the horizon,” he said. “That still looks some way off, suggesting buyers’ budgets are going to remain constrained and that there is a little way to go before house prices bottom out.”

Ways to save money on your mortgage

Overpay now if possible: If you still have some time on a low fixed-rate deal, your mortgage could work harder for you now. Putting money in a savings account can build up and also earn interest to help to pay down some of the mortgage ahead of fixing a new deal.

Switch to interest only: If you have an interest-only mortgage it means you are only paying the interest on the amount borrowed, and you are not paying down the size of the debt. But moving to an interest-only mortgage can keep your monthly payments affordable.

Downsize: This is possibly not a realistic option for a growing family, or for the owners of a small flat. But for older mortgage customers whose children have flown the nest, selling up and buying a smaller property could reduce the mortgage size.

There are more tips on saving money on your mortgage here

Related Topics

Personal finance

Housing market

Cost of living

Mortgages

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21 August

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[ukimmigrationmatters]

House Prices Fall Again As Interest Rise For Fourteenth Time

Houses fell at the fastest annual rate in 14 years, according to figures published by the Nationwide Building Society.

Interview with Miriam Nawagamuwa CeMAP, Mortgage and Protection Advisor with Larkin Financial Services.

The second largest UK mortgage lender say house prices fell by 3.8% in the year to July 2023, the sharpest drop since July 2009.

Higher mortgage rates and the cost-of-living crisis are making “affordability a challenge”, the lender said.

Watch video version - https://youtu.be/iIr0nGOGEdc - Charles Kelly Money Tips Podcast.

A typical 5-year fixed rate mortgage was 6.37% this week, but as high as 6.85% for a 2 year deal.

The Bank of England have followed the Fed and ECB by hiking interest rates for the fourteenth time by 0.25% to 5.25%, which will be another nail in the coffin for the housing market and borrowers.

Average price of a home in the UK is now £260,000, £13,000 below a peak last August.

The lender completed 85,000 transactions in June, down from 100,000 the previous year, which is a near 15% fall in business.

If you need mortgage advice contact:

Miriam Nawagamuwa CeMAP  

Mortgage and Protection Advisor

Larkin Financial Services Ltd

07539457777 / 02081333348

239 Mitcham Road, London, SW17 9JG

miriam.nawagamuwa@larkinfinancial.co.uk

See also:

Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs

https://youtu.be/5uJcr7YoPso

See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA

If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.

Content for educational purposes only, not financial advice. Always speak to an independent financial or mortgage adviser.

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[bethbemortgages]

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