Mortgage deals rising

[Dave Umbongo]

This is a real cunt for all those with a mortgage but fortunately I've worked hard and I don't have one. Just saying.

[Old Chap Raasclaat]

26 minutes ago, Cunty BigBollox said:

This is a real cunt for all those with a mortgage but fortunately I've worked hard and I don't have one. Just saying.

Big Bollock, I have to say fair play to you, I am in a similar position to you, however I'm not on here boasting about it and winding up the punters. I could say I'm a multi millionaire with a yacht, means nothing, unless I can prove it. 

Can you prove it? Who the fuck do you think you are anyways? From what I've heard you live in a bungalow... Are you a (drunken) pensioner? You'll no doubt wake up later and forget you've wrote this bollocks. Fucking hell. 

[Mike Hunt]

32 minutes ago, Cunty BigBollox said:

This is a real cunt for all those with a mortgage but fortunately I've worked hard and I don't have one. Just saying.

Can you clarify that you're fortunate enough to live in The Gorbals or Toxteth?

[southerncunt]

40 minutes ago, Cunty BigBollox said:

This is a real cunt for all those with a mortgage but fortunately I've worked hard and I don't have one. Just saying.

Probably only takes a few years on the dole to pay off a small caravan with no wheels, you drunken bloward cocksucker.

[Dave Umbongo]

Bit of a fishing trip really but I expect the affluent amongst us like @King Billy and @Frank will be along later to give their take on why the mortgage interest rate is rising in correlation with bank base rate even for those that aren't contracted to follow this index. Banks are cunts especially if my savings interest rate doesn't increase by a potential 0.25% rise which is predicted tomorrow.

[Old Chap Raasclaat]

1 hour ago, Cunty BigBollox said:

my savings

What savings? You pissed them all up the wall, getting pissed all day, every day, you stupid piss head. 

[Decimus]

4 hours ago, Cunty BigBollox said:

This is a real cunt for all those with a mortgage but fortunately I've worked hard and I don't have one. Just saying.

When did you clear the mortgage, Drew? Bearing in mind you're a decrepit old bastard, it's hardly an achievement unless you did it before 55. 

I'm 37 and I've got another five years to pay off mine, but of course I don't live in a moated, fictional 600k bungalow in Postwick.

[Dave Umbongo]

52 minutes ago, Decimus said:

When did you clear the mortgage, Drew? Bearing in mind you're a decrepit old bastard, it's hardly an achievement unless you did it before 55. 

I'm 37 and I've got another five years to pay off mine, but of course I don't live in a moated, fictional 600k bungalow in Postwick.

I had a mortgage when I was 21 and cleared it just before my 36th birthday. After clearing it I had to take out another but that's only on a rental property so some other mug tenant is paying that mortgage.

[Neil]

I was born with fuck all and I've still got most of it left.

[Shit For Brains]

5 minutes ago, Neil said:

I was born with fuck all and I've still got most of it left.

You would've been even richer if I hadn't borrowed some of it off you!

Thanks mate, you're a real pal.👼

[Shit For Brains]

What started off as a discussion on rising mortgage rates, turned into the usual pissing contest for the little boys club. 

And before you start, I paid off for my Barnet bedsit, years ago, so go fuck yourself.

LOL

[Old Chap Raasclaat]

26 minutes ago, and said:

What started off as a discussion on rising mortgage rates, turned into the usual pissing contest for the little boys club. 

And before you start, I paid off for my Barnet bedsit, years ago, so go fuck yourself.

LOL

Shut up you cunt. 

[Witheredscrote]

4 hours ago, Decimus said:

When did you clear the mortgage, Drew? Bearing in mind you're a decrepit old bastard, it's hardly an achievement unless you did it before 55. 

I'm 37 and I've got another five years to pay off mine, but of course I don't live in a moated, fictional 600k bungalow in Postwick.

All very sound on paper, but in reality, deep down you know that you will hit 40, and Mrs D will commence divorce proceedings, citing having to endure years of verbal abuse from a faux Paddy, weasel dicked little cunt. Bang goes the house, paying child maintenance, and to top it all, your knacker elastic goes overnight. Believe me, give it 6 months and you will be grovelling to @Cunty BigBollox for a cheap bedsit. If that fails, Frank will let you have futon, for a miserly two reach arounds per day. 

Fantasist sagging bollocks prick.

Edited May 31, 2023 by Witheredscrote
Even Bill Stickers kept his own front door.

[PANZER MURPHY]

8 minutes ago, Witheredscrote said:

All very sound on paper, but in reality, deep down you know that you will hit 40, and Mrs D will commence divorce proceedings, citing having to endure years of verbal abuse from a faux Paddy, weasel dicked little cunt. Bang goes the house, paying child maintenance, and to top it all, your knacker elastic goes overnight. Believe me, give it 6 months and you will be grovelling to @Cunty BigBollox for a cheap bedsit. If that fails, Frank will let you have futon, for a miserly two reach arounds per day. 

Fantasist sagging bollocks prick.

Knacker elastic...Laffin 

UNREPENTANTFENIANBAZTURDPANZERMURPHYBABY 

[Decimus]

10 minutes ago, Witheredscrote said:

but in reality, deep down you know that you will hit 40, and Mrs D will commence divorce proceedings, citing having to endure years of verbal abuse from a faux Paddy, weasel dicked little cunt. Bang goes the house, paying child maintenance, and to top it all, your knacker elastic goes overnight. Believe me, give it 6 months and you will be grovelling to @Cunty BigBollox for a cheap bedsit. If that fails, Frank will let you have futon, for a miserly two reach arounds per day. 

Fantasist sagging bollocks prick.

I fucking hope so!

[Guest King Billy]

5 hours ago, Cunty BigBollox said:

I expect the affluent amongst us like @King Billy and @Frank will be along later to give their take on why the mortgage interest rate is rising

That’s far too easy Drew. Surely you’ve been sober enough at least once to have seen the video of Bill Gates, George Soros and Klaus Schwab in the cave at Davos, hysterically laughing about how many clicks to turn the interest rate knob up? And have you never wondered why the price of ‘White Lightning’ mysteriously goes up the next day too?

‘Global finance’….fucking simple for some of us who know what we’re talking about. 

[Guest King Billy]

3 hours ago, Cunty BigBollox said:

After clearing it I had to take out another but that's only on a rental property so some other mug tenant is paying that mortgage.

This time next year you’ll be bigger than Blackrock and definitely the biggest investor in White Lightning. You’ve done very bloody well for yourself despite all your difficulties.

[Guest King Billy]

8 hours ago, Mike Hunt said:

Can you clarify that you're fortunate enough to live in The Gorbals or Toxteth?

Drew lives above the off licence in Jaywick. His Universal credit is sent directly to the shop owner and he’s still managed to rack up thousands of pounds of debt. 

[Guest King Billy]

1 hour ago, and said:

And before you start, I paid off for my Barnet bedsit, years ago, so go fuck yourself.

 

I live in Hadley Wood. You’ve probably admired me driving through Barnet in my imaginary M4. I’m the good looking  guy with the gorgeous bird and the perfect smile.

Eat shit.

[Mike Hunt]

6 hours ago, Cunty BigBollox said:

Bit of a fishing trip really but I expect the affluent amongst us like @King Billy and @Frank will be along later to give their take on why the mortgage interest rate is rising in correlation with bank base rate even for those that aren't contracted to follow this index. Banks are cunts especially if my savings interest rate doesn't increase by a potential 0.25% rise which is predicted tomorrow.

Speaking with a serious hat on for a minute, as retired financial services (Building Society manager, IFA, regulated complaint handler and Pensions Technical Specialist), long gone are the days where building societies and banks used their deposits to lend against (ie your parents would go cap in hand when applying for a mortgage, hoping that the money they've saved with them for X number of years will enable them to be allocated a slice of the funds they had available to lend).  Now banks/building societies borrow from each other, typically at the LIBOR rate, which is linked to the Bank base rate, so that's why there's a degree of correlation.  Basically, the higher the BoE interest rate is, then the more it costs the lenders on the money market and they then pass that onto the borrowers.  They use low interest rates - ie not/partially passing on savings rate rises when borrowing rates rise - as a source of profit because the mortgage market is so cutthroat.

So basically they're cunts by necessity, but name me a profit-making business that isn't.

[Cuntybaws]

10 minutes ago, Mike Hunt said:

So basically they're cunts by necessity, but name me a profit-making business that isn't.

If you think these cunts are shady, best stay clear of hedge funds.

[Mike Hunt]

7 minutes ago, Cuntybaws said:

If you think these cunts are shady, best stay clear of hedge funds.

LOL Nick Leeson, wonder how many millenia before his debt to Barings is cleared.  His girlfriend at the time was tasty though.

Edit just read the guy is hardly a bankrupt down and out.  He's still a cunt with money.

[Decimus]

46 minutes ago, King Billy said:

Eat shit.

 

Don Billioni.

[Dave Umbongo]

1 hour ago, Decimus said:

I fucking hope so!

You could always get a job clearing greyhound scat up at your local stadium if money gets a bit tight. Woof, woof

[Witheredscrote]

43 minutes ago, Mike Hunt said:

Speaking with a serious hat on for a minute, as retired financial services (Building Society manager, IFA, regulated complaint handler and Pensions Technical Specialist), long gone are the days where building societies and banks used their deposits to lend against (ie your parents would go cap in hand when applying for a mortgage, hoping that the money they've saved with them for X number of years will enable them to be allocated a slice of the funds they had available to lend).  Now banks/building societies borrow from each other, typically at the LIBOR rate, which is linked to the Bank base rate, so that's why there's a degree of correlation.  Basically, the higher the BoE interest rate is, then the more it costs the lenders on the money market and they then pass that onto the borrowers.  They use low interest rates - ie not/partially passing on savings rate rises when borrowing rates rise - as a source of profit because the mortgage market is so cutthroat.

So basically they're cunts by necessity, but name me a profit-making business that isn't.

Fucking hell Mike, when Roops reads all the above, she will naturally disagree with you, but you will have a friend for life. Try calling me a froggy nonce. I wager she will give you a'like'