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Sarah Platt's apartment |
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#1 |
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Forum Member
Join Date: Jun 2002
Location: Black Country lad in Yorkshire
Posts: 118,101
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Sarah Platt's apartment
Yes I know it will not exist.
However, she can only afford a deposit. How would the part time barmaid pay a mortgage and the other bills ? Shouldn't she have an agreement for a mortgage ? Come to think of it. How does David ( It's my house) Platt pay his mortgage and all the other bills ? |
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#2 |
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Forum Member
Join Date: Jul 2013
Location: Cleveland, Ohio
Posts: 8,047
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Quote:
Yes I know it will not exist.
However, she can only afford a deposit. How would she pay a mortgage and the other bills ? Shouldn't she have an agreement for a mortgage ? Come to think of it. How does David ( It's my house) Platt pay his mortgage and all the other bills ? As for Sarah who the hell knows. Does she even still work at the Rovers? ![]()
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#3 |
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Forum Member
Join Date: Feb 2014
Location: With MyAndy!
Posts: 15,202
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Quote:
David doesn't have a mortgage, remember Lewis stole Gail's money from the sale of the house and gave it to Audrey, then she gave it to David to buy the house.
As for Sarah who the hell knows. Does she even still work at the Rovers? ![]() ![]() But I have heard David say about paying the mortgage before I am sure. Maybe I am wrong |
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#4 |
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Forum Member
Join Date: Feb 2011
Location: Just passin' through
Posts: 3,373
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Quote:
Yes I know it will not exist.
However, she can only afford a deposit. How would the part time barmaid pay a mortgage and the other bills ? Shouldn't she have an agreement for a mortgage ? Come to think of it. How does David ( It's my house) Platt pay his mortgage and all the other bills ? Putting down the deposit, if only on paper at this stage, before talking to her bank. It must be tough enough existing on a bar persons wage as it is, what with Bethany and liccle Harry to feed and clothe. |
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#5 |
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Forum Member
Join Date: Jul 2013
Location: Cleveland, Ohio
Posts: 8,047
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Quote:
She went in tonight to ask for hrs!
But I have heard David say about paying the mortgage before I am sure. Maybe I am wrong ![]() ![]() But seriously I doubt she could afford an apartment working as a part time bartender. Look at Sean he works there and factory and still can't afford his own place. As for David I think he might have taken out a loan to build Gail's in-law suite. |
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#6 |
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Forum Member
Join Date: Nov 2009
Posts: 23,466
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I'm pretty sure that Audrey gave David and Kylie the money they needed for the deposit - they had a mortgage for the rest which they probably could manage together as they were both working plus i think Gail paid rent.
I've just commented about Sarah (and Alex and Shariff) over on another forum. They are all behaving as though they need the 'reservation fee' and that's it- the flat is paid for. They will still need a mortgage - for the bank to agree to lend them the money (increasingly hard these days) and to actually have the income to pay it back each month for the next 25 years. A barmaid and part time cafe worker are going to manage that? Shariff has assets so maybe he is borrowing against them but there is no way he'd get a mortgage given he is in his 60s - stats say he'd be dead before it came to term. A friend of mine is having problems getting approved for a mortgage at the age of 45 because he'll past retirement age before completion fgs. |
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#7 |
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Forum Member
Join Date: Oct 2011
Posts: 645
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And £15k is a lot as a holding deposit. It just makes it really silly as no one would have £15k lying around to put down on an apartment that will take at least a year to build. £5k maybe.
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#8 |
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Forum Member
Join Date: Aug 2007
Posts: 12,357
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Quote:
Yes I know it will not exist.
However, she can only afford a deposit. How would the part time barmaid pay a mortgage and the other bills ? Shouldn't she have an agreement for a mortgage ? Come to think of it. How does David ( It's my house) Platt pay his mortgage and all the other bills ? |
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#9 |
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Forum Member
Join Date: Dec 2015
Posts: 1,308
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Quote:
I'm pretty sure that Audrey gave David and Kylie the money they needed for the deposit - they had a mortgage for the rest which they probably could manage together as they were both working plus i think Gail paid rent.
I've just commented about Sarah (and Alex and Shariff) over on another forum. They are all behaving as though they need the 'reservation fee' and that's it- the flat is paid for. They will still need a mortgage - for the bank to agree to lend them the money (increasingly hard these days) and to actually have the income to pay it back each month for the next 25 years. A barmaid and part time cafe worker are going to manage that? Shariff has assets so maybe he is borrowing against them but there is no way he'd get a mortgage given he is in his 60s - stats say he'd be dead before it came to term. A friend of mine is having problems getting approved for a mortgage at the age of 45 because he'll past retirement age before completion fgs. |
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#10 |
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Forum Member
Join Date: Jun 2002
Location: Black Country lad in Yorkshire
Posts: 118,101
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Quote:
David doesn't have a mortgage, remember Lewis stole Gail's money from the sale of the house and gave it to Audrey, then she gave it to David to buy the house.
As for Sarah who the hell knows. Does she even still work at the Rovers? ![]() ![]() Quote:
I'm pretty sure that Audrey gave David and Kylie the money they needed for the deposit - they had a mortgage for the rest which they probably could manage together as they were both working plus i think Gail paid rent.
I've just commented about Sarah (and Alex and Shariff) over on another forum. They are all behaving as though they need the 'reservation fee' and that's it- the flat is paid for. They will still need a mortgage - for the bank to agree to lend them the money (increasingly hard these days) and to actually have the income to pay it back each month for the next 25 years. A barmaid and part time cafe worker are going to manage that? Shariff has assets so maybe he is borrowing against them but there is no way he'd get a mortgage given he is in his 60s - stats say he'd be dead before it came to term. A friend of mine is having problems getting approved for a mortgage at the age of 45 because he'll past retirement age before completion fgs. |
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#11 |
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Forum Member
Join Date: Nov 2009
Posts: 759
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Did you all miss the phone call she had from Stephen in Canada telling her she had come into some money? That's when she decided to buy one of the non-existent apartments. Don't know the exact details because I wasn't really listening properly.
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#12 |
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Forum Member
Join Date: Jul 2009
Posts: 118
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Quote:
Did you all miss the phone call she had from Stephen in Canada telling her she had come into some money? That's when she decided to buy one of the non-existent apartments. Don't know the exact details because I wasn't really listening properly.
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#13 |
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Forum Member
Join Date: Aug 2008
Location: Ghosts Forge
Posts: 39,016
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Quote:
Did you all miss the phone call she had from Stephen in Canada telling her she had come into some money? That's when she decided to buy one of the non-existent apartments. Don't know the exact details because I wasn't really listening properly.
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#14 |
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Forum Member
Join Date: Feb 2014
Location: With MyAndy!
Posts: 15,202
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Quote:
The same Stephen who sacked her? Blimey, he's generous.
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#15 |
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Forum Member
Join Date: Aug 2010
Posts: 12,914
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David is some big shot but he hardly makes a mint !
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#16 |
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Forum Member
Join Date: Nov 2009
Posts: 23,466
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Quote:
And £15k is a lot as a holding deposit. It just makes it really silly as no one would have £15k lying around to put down on an apartment that will take at least a year to build. £5k maybe.
I find it hard to believe anybody would be naive enough to hand 15k over for a project where they haven't even finished a show home yet. Plus one of the builders is a recent bankrupt. |
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#17 |
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Forum Member
Join Date: Nov 2009
Posts: 23,466
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Quote:
Did you all miss the phone call she had from Stephen in Canada telling her she had come into some money? That's when she decided to buy one of the non-existent apartments. Don't know the exact details because I wasn't really listening properly.
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#18 |
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Forum Member
Join Date: Nov 2009
Posts: 23,466
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Quote:
Do the stats say anything about the chances of being unemployed before the first mortgage payment is made.
Also, it's harder to get mortgages if a member of certain professions, especially if self employed. The age thing is becoming a bgger and bigger problem now with people not being able to get together enough money for a deposit until they are late thirties or early 40s, by which time the standard 25 year repayment term is nudging up to 'supposed) retirement age. |
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#19 |
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Forum Member
Join Date: Nov 2015
Posts: 3,749
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The one big unbelievable thing about all soaps, is their attitude to money in the real world.
I so wish one soap would have the balls to address this in the way that exists in reality. It would actually make great viewing. I think the only soap that came close was Brookside in the early years. |
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#20 |
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Forum Member
Join Date: Nov 2012
Posts: 5,148
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It's not even a deposit - it's only a holding fee.
If an actual deposit on a flat was only £15,000 everyone in the land would be buying their own flat, besides which a builder doesn't take the deposit - a building society or bank who is supplying the mortgage does. |
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#21 |
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Forum Member
Join Date: Nov 2009
Posts: 23,466
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Some builders do refer to the reservation fee as a deposit (mine did) and that is paid directly to them. But it is for a nominal amount - as i say mine was only 100 pounds and I wrote a cheque the day i came out to look at the building site, show homes and plans and picked a lot. The real commitment came when contracts were exchanged which happened long before building on my particular lot had started.
But of course you're right - the deposit in usual mortgage terms would be with you bank, with them considering that before they agree (or not) to lend the mortgage for the balance of the property. Realistically, the buyers would need another how many thousand pounds as the deposit to go via their mortgage company on top of the 15k they'd paid directly to the builders unless they were getting a 100 per cent mortgage - which is virtually impossible these days. |
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#22 |
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Forum Member
Join Date: Jun 2012
Posts: 2,456
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Ahhhh come on its a fecken soap for gods sake , people die and come back to life having a shower.
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