[Mr Fishy]

This wasn’t me 

It was Claire 05 !!!!

Last night she was going on about how “great” Italy were in forum 1. Then this wicked person with no sense of shame told me Denmark  would kick England’s azz 

I told her to put her azz on the line or shut up and admit I was an 11 in bed and England would beat Denmark and make it to Sun’s final 

So we had a bet 

If England lost… I would post a picture of my perky perfect bum on the boards.

If Denmark lost… she would put up a picture of her flabby old spotty slaggy hairy azz on the boards.

Well Claire they LOST 

Now get out your phone, take a picture and post it 

Or are you chicken 

[Mr Fishy]

https://youtu.be/BA7fdSkp8ds

[Mr Fishy]

You both hate me cos I’m 29 and 3/97

Did I tell you I sold the rights, pictures and video of my summer holiday  back in 2012 to the Isle of Wight to tv production company  for 5 million 

They cut out the sex….. drugs….nudity and turn it into a tv show called Love Island. 

I spose that’s another thing you hate me for 

 

[Mr Fishy]

I only wish that was true 

Pull up beanbag Ge… let me tell you how I made me first million hun 

Years ago I got naked for anyone who asked for free.  In Asda, on back of a milk float and even on kam 

And then I throught……can I make money from this 

So I pop down Asda and got meself a few tarty clothes and sign up to a kam site called fatfrkers 

On the first nite I made 2 grand 

After a week or two I had enough me first real sex doll, not a Tesco’s bag with Ann Widdecombe’s face stuck on it with sticky tape. 

Then saw the site was taking 1/2 me money 

I soon give them the flick and started me own site called Chubby lovers.   Its done really well and not just an kam site anymore.  After branching in 15 min p0rn vid’s and fetish items like vvank mugs, I made a cool million in 12 months. 

So my advice to anyone looking to make a bit of cash by laying around the house stuffing your face with cake is:  get a kam, get naked and get paid for it

 

[Mr Fishy]

People do live on 16k in London and you can get a mortgage. 

 

[Mr Fishy]

draculina wrote:

You can’t buy a house in london on minimum wage.

I found a 1 bed flat in Woodgrange Road LONDON E7 for 72.5k

https://www.rightmove.co.uk/properties/105598541#/

Even on 16k per year you can afford to buy that.

 

[Mr Fishy]

Oh God…………….

Even you cant be this thick 

OK…. lets say you are 

Earth to Draculina  Earth to Draculina   Earth to Draculina  

Message begins 

draculina wrote:

Because the house is either falling appart, or is in an area with a high crime rate, no jobs or some similar issue.

All houses are falling apart from the day you buy them…. take it from me… there always something that needs fixing.

High crime rates and no jobs wont bovver you much if your sleeping on the streets.

Similar issues?   What like street homeless people buying a house next door to yours?

If I couldn’t find a property a tesco’s shelf stacker on min wage couldn’t afford to buy… your argument would be vailed.  But I found them up and down the country and even in London.

So your argument is invalid and pointless.   The current housing market blows your nonsense out of the water.

End of message 

This is planet earth signing off 

 

[Mr Fishy]

Yes I did… cheap housing under 70k 

[Mr Fishy]

draculina wrote:

Mr Fishy wrote:

The myth of a property shortage is promoted by estate agents, home builders and homeless charity’s. When you take a good look around, there is no shortage of afford housing cross the UK.

So you’re just going to ignore the hard evidence?

draculina wrote:

The net population growth, is far, far higher than the number of houses being built. In 2019 184,000 houses were built. Even ignoring that, in 2019 there were 640,370 births and 530,841 deaths, that’s a net increase of 119,529 people. In 2020 the net immigration was an additional 313,000 people. So 184,000 houses and 432,000 people.

Oh God did you look at the links 

You cant argue with the market !!!!!!

[Mr Fishy]

Hmm… your right and wrong at the same time 

And I’m going to show you why…..using me old mate and lover Cosy 

Cosy lives in Blackpool, works part time has a football steward and his main income come from government benefits. He close to 70 and got a credit score lower than the goals Ukraine score last night.

Sick of his mum smoking his weed………drinking his home brew and finding her having sex on kitchen floor with his ex………let alone thugs turning up from Mecca bingo demanding he pay her debts of £6.50 or lose his legs…….he decides to move out and become a home owner.

He’s found this lovey 2 bed house he wants in Gorton Street for 62k

https://www.rightmove.co.uk/properties/109282673#/

(I found cheaper but God they were nasty)

Cosy then googles “mortgages for mugs” and finds this add.

https://www.onlinemortgageadvisor.co.uk/income-types/mortgage-on-benefits/

They want a whole months benefits as a deposit and there going to charge him 2k in fees.

His new mortgage plan is:

Deposit: £1000

Annual interest: 6%

Repayment period: 40 years
Monthly repayments: £339

But Cosy got some embarrassing pictures of me with me clothes on. He blackmails me into giving him the 12k deposit.

Deposit: 12k

Annual interest: 6%

 Repayment period: 25 years.

Monthly repayments: £326

The only different a 10% makes is £13 per month reduction and a shorter repayment period.

Now lets look at the other end of the scale.

There a 4 bed house down the road from me for 1.8 million

https://www.rightmove.co.uk/properties/109897301#/

Lets say I put down 600k deposit.  Got a annual interest of 3%, the repayments would still be £5,691 per month over 25 years.  

That would make most mortgage lender  poop there pants in terror.  A 10% market decline would wipe of 180k off the value.  25% market drop would take off 450k.

So if there a 25% in the market and with your 600k deposit that adds up to just over a million.  No where close to the 1.8 million you pay for it or they can sell it for.   Its one hell of a risk for any mortgage lender for a low 3% interest rate return. They could lose 800k on the deal.

And here is my point, its not the deposit, your age or credit score…. its the loan amount and the interest.  Again this is a business. Even if cosy never makes a payment the mortgage broker made his fee and the mortgage lender pick up an assent at a reduced price due to the deposit.  Mortgage lender will look at this and think they cant lose due to the low loan amount.  And the lost interest on the mortgage? Goggle why debt is good 

You cant say that on 1.8 million house with a low interest rate.  And its why mortgage lenders will turn down people good size deposits and good credit scores.

 

 

 

 

 

• This reply was modified 3 years, 6 months ago by  Mr Fishy.

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