All that Message by Arthur Morrison

"All that messuage dwelling-house and premises now standing on part of the said parcel of ground" was the phrase in the assignment of lease, although it only meant Number Twenty-seven Mulberry Street, Old Ford, containing five rooms and a wash-house, and sharing a dirty front wall with the rest of the street on the same side. The phrase was a very fine one, and, with others more intricate, lent not a little to the triumph and the perplexity the transaction filled old Jack Randall withal. The business was a conjunction of purchase and mortgage, whereby old Jack Randall, having thirty pounds of his own, had, after half-an-hour of helpless stupefaction in a solicitor's office in Cornhill, bought a house for two hundred and twenty pounds, and paid ten pounds for stamps and lawyer's fees.

The remaining two hundred pounds had been furnished by the Indubitable Perpetual Building Society, on the security of a mortgage; and the loan, with its interest, was to be repaid in monthly instalments of two pounds and fourpence during twelve years. Thus old Jack Randall designed to provide for the wants and infirmities of age; and the outright purchase, he argued, was a thing of mighty easy accomplishment. For the house let at nine shillings a week, which was twenty-three pounds eight shillings a year; and the mortgage instalments, with the ground rent of three pounds a year, only came to twenty-seven pounds four, leaving a difference of three pounds sixteen, which would be more than covered by a saving of eighteenpence a week: certainly not a difficult saving for a man with a regular job and no young family, who had put by thirty pounds in little more than three years.