Castillo

Exactly Rook what's the point in an elected uk government if they have to impose rulings by an EU hierarchy we didn't vote for or want And let's not forget that the EU is simply a large group of countries pulled together to be told " we are now one big country" - that's quite undemocratic too. Not only that - but if anyone wants to deal with anyone else within that group you can only do so by being part of that club , or we will impose tariffs to inhibit you. That starts to sound a bit like a dictatorship ? I'm pro Europe and pro immigration and all the other wonderful things it's done for us - but I'm anti the current EU and I genuinely don't think we can change it from the inside- that's been proved with Cameron's negotiations. We vote to leave we take back control and a new system will be negotiated. Look at the rest of Europe they are all voting against the EU set up. Elections in Spain then Italy then more referendums. Totally agree that it's about ideology versus reality and it's the Reality that you simply cannot ignore

Will do - Can I do it after the football :-)

London mix a vast majority of your posts are guess work ( not sure if you know or just cant see it !) Either way let's not forget that you want to vote to remain part of something that up until now has surely been enjoying all of these benefits you list and oh.... It isn't working really is it Do you think there is any area of the EU which could be improved ? or can't you see that either Oh well might as well just remain part of it. Our power at the negotiation table has proven to be fruitless Watch Brexit the Movie on YouTube. There is good argument to Leave By the way I'm pro immigration before you come back with that. we cannot elect or remove the people who govern us - and that is undemocratic

Id say its odd you wouldnt have been made aware of a neighbourhood warden. More generally, I appreciate its too late for you in this instance, but if anyone knocks on your door and you are unsure abot them - especially if they introduce themselves as a local charity collector, neighbour in need (or neighbourhood warden!) then firing a few clarifying questions at them usually will give you a much clearer idea of if they are dodgy or not (ie they will quickly clear off/scarper under even mild questioning!!) In this instance Id have asked him his name and address/ who set up the warden scheme etc

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I cancelled membership with Fusion as its way too busy in peak times, machines dont get fixed, water machines dont work, changing rooms are not looked after etc etc so i didnt think it worth the membership anymore My advice is that its worth paying a bit more for somewhere you really like, so take advantage of free sessions or just visit to get a feel for the place. I think somewhere decent priced between fusion and ESPH would be incredibly popular!

Great thanks all - we will give it a go !

Does anyone know of any kind of Martial Arts classes for young kids ( just turned 6) that run in East Dulwich? Many Thanks

Not a logical comparison. Japan had hyper inflation - the UK has very low inflation. In Ireland, the state income back then was almost entirely reliant on property via huge VAT levies on developers and income tax on the massive amount of workers in the construction sector. Both countries also had incredibly low barriers to getting a mortgage / with almost easy access to leveraged debt (and yes, the banks fuelled this activity). The bubble had to burst. We saw similar in the UK of course with consumer debt but the Irish gov was borrowing majority of GDP on money markets linked to property- thats why their economy collapsed. Its different here in the UK. On a national level the property market in the UK is not overpriced or overvalued. people tend to forget this. London is a different story, which is typically seen as hugely overvalued when linked to current levels of wage growth. There is a possibility that an interest rate hike in the UK may flush out fire sale of properties for those that are highly leveraged given the effect on mortgage repayements. However, even then a 10% drop in asking prices takes you to the prices this time last year. Demand will remain strong in London as its the centre of the world. The recent moves inhibiting BTL is driven by politics, fuelled by the misguided view that BTL disadvantages FTB, or by those promoting wishful thinking ("If we wait there will be a crash and itll be alot cheaper!") In my mind big taxes on overseas investors would have far more benefit to the UK economy but you wont see Cameron doing that anytime soon with all his toadying up to China!

Agree - its demand that makes prices go up, and if there is short supply then demand is even higher so prices get pushed even higher. Demand is solely behind the 'dramatic' rises we see. I think we see less of a dramatic drop however when supply might be increasing, but rather a slowdown in the rise (if that makes sense!) This is because demand in London is always pretty high- and it certainly will be in a place like ED as its a very desirable place to live.... and lets not forget ED is easily seen as a bargain compared to areas in North London and South West London etc Alot of people think the latest restrictions on BTL will bring prices down and "help" FTB. I think not (its just a tax grab!) as its the barriers to actually getting a mortgage that seem to inhibit first time buyers the most. Demand will still be there, and thus so will prices. There is a shortage of FTB right now purely because they need huge deposits and repayments are calculated on "what if" Interest rates at circa 5%

If you are risk averse I'd sell it and have a smaller mortgage on the new property Best of luck whatever you decide

Any property that you are buying in addition to your existing (for rental purposes) will be subject to the increase in SDLT from April 16. You can offset mortgage costs but the current allowance for full tax relief is being phased out over 4 years and will ultimately be limited to only 20%. If you are trading "up" then you should definitely calculate the financial benefit of selling the flat instead and putting down a much bigger deposit on the place you are buying (or buying a bigger/better place). Given a BTL mortgage has higher rates applied be aware your yield in ED wont be too high so youll be mainly banking on capital gains, in which case I suggest at least a 5 year hold and therefore you should be prepared and comfortable to see no major financial benefit of this move until you sell it.