test please delete

[Mich the Tester]

We're meeting with the finance guy on Monday to choose which mortgage we'll go with, he's lined up a few lenders.

Unfortunately we will not get 100%, as we're both on 1 year contracts ( which is the norm here these days, even for permies), so I will kiss good bye to a huge chunk of my savings.

Yep, in the space of a couple of years, Dutch bankers have gone from being gung-ho cowboys who spat in the face of 'risk' to being weedy little scaredycats with the spine of an earthworm. Not sure which I prefer actually.

[norrahe]

Yep, in the space of a couple of years, Dutch bankers have gone from being gung-ho cowboys who spat in the face of 'risk' to being weedy little scaredycats with the spine of an earthworm. Not sure which I prefer actually.

I'd prefer the ones who'd give me the full monty mortgage package.

It's a bugger as it eats into my savings but also means I own a higher percentage of the property than Mr N as he hasn't got any savings of note, which is not what we want.

[norrahe]

11:50 - only just!

Can we stick to pedantry in general and not TPDII please

[Mich the Tester]

I'd prefer the ones who'd give me the full monty mortgage package.

It's a bugger as it eats into my savings but also means I own a higher percentage of the property than Mr N as he hasn't got any savings of note, which is not what we want.

If you want to make a legally binding declaration of the proportion of ownership of the house, you can do that in a 'samenlevingsovereenkomst' for which your friendly local 'notaris' will send you a hefty invoice; I seem to remember it being a couple of hundred euros. Or, if you marry, you can divide the property as you wish by marrying under 'huwelijkse voorwaarden'.

[norrahe]

If you want to make a legally binding declaration of the proportion of ownership of the house, you can do that in a 'samenlevingsovereenkomst' for which your friendly local 'notaris' will send you a hefty invoice; I seem to remember it being a couple of hundred euros. Or, if you marry, you can divide the property as you wish by marrying under 'huwelijkse voorwaarden'.

If I pay more then I own more, simples! It's how we do things. If he wants to own equal amounts then he has to pay me back the half of the deposit.

'samenlevingsovereenkomst seems to be the same agreement that you can get in the UK, as for marriage, ah, no, Ted!

[zeitghost]

Had a laugh last night at GF#1's crappy rental: she said the bathroom seemed very warm despite there being no radiator in the room. Turns out the doofus of a plumber had wired the cistern to the hot water supply. Not fun when you're on a combi boiler!

[zeitghost]

That explains the hot flushes then.

[mudskipper]

That explains the hot flushes then.

a menopausal toilet

[hyperD]

That explains the hot flushes then.

a menopausal toilet

[SimonMac]

Morning all!

Two more days of freedom left - will go out on the bicycle today for a small ride.

Had a laugh last night at GF#1's crappy rental: she said the bathroom seemed very warm despite there being no radiator in the room. Turns out the doofus of a plumber had wired the cistern to the hot water supply. Not fun when you're on a combi boiler!

People pay a fortune for self heating toilets