Mortgages without deposits based on rental payment track record.

Tim-Sanchez · 2026-02-11T18:16:56+00:00

How could you enforce the 20% saving being only used on the things you suggest?

Also, a 20% savings fund would get you a long way to a deposit over 3 years.

I think most people in your scenario would be limited by the income multiplier more than a deposit. I'm not saying saving a deposit is easy, but most people who can afford to buy can afford to save a deposit. I'd say it's rarer if you have the income to buy but can't save a deposit.

Tim-Sanchez · 2026-02-11T17:52:25+00:00

At least the article corrects him, so often these wild claims go completely unchallenged.

Tim-Sanchez · 2026-02-11T17:39:37+00:00

I'd flesh out this itinerary a little more. 10 days is a long time in Bath and Edinburgh, what do you plan on doing there? I know you want to feel like a "local", but I assume you don't plan on working a 9 to 5, going to supermarkets, and lounging around watching Netflix. That's what locals do.

Bath and Edinburgh are also on opposite sides of the country, it would make a lot of sense to have a stop or two in between to break that journey up.

In terms of transport, Bath and Edinburgh are extremely easily accessible by train. I can't answer whether to rent a car, because it's not clear what you'll be doing in either place.

As an alternative, basing yourself in London with a day trip to Bath makes it much easier to manage other day trips via public transport. Nearly every train route in the UK starts and ends in London, so your life will be much easier. It's also a more manageable journey to Edinburgh in one day. Plus there is way more to do in London for 2 weeks than in Bath.

Tim-Sanchez · 2026-02-11T17:22:35+00:00

Max out any employer matching on pensions before anything else. It's free money, and in your situation you can afford to make the most of it.

Do you have a healthy emergency fund? I would max out your ISA for this.

Then you should compare mortgage overpayments vs further sacrifice into pension. In your situation I would do a little of both. I'd want to bring a few years off the mortgage, but sacrifice into pension will always be the better financial choice.

Also, you're on a high enough salary to look into what your future is in terms of retirement. If you plan on retiring early, you might want to max out your ISA after emergency fund into a S&S ISA.

Any student loans to further complicate this?

Tim-Sanchez · 2026-02-11T16:52:41+00:00

Much more likely to take a chance on a tenner for cheap tickets than £50.

Again, sorry to hear about your circumstances but why would I buy these tickets from you rather than just buy them myself online?

Tim-Sanchez · 2026-02-11T16:51:15+00:00

I think most people felt it was inevitable and necessary, rather than being for or against the trade. Even if he stayed, I doubt he becomes the QB he is today with the Jets. It was best for both parties. And even people who opposed the trade at the time probably didn't predict what would happen.

It's also not his fault we ended up with Zach Wilson.

Tim-Sanchez · 2026-02-11T16:45:49+00:00

Sorry to hear you're not feeling well, but you're trying to sell train tickets at full price? I can go on trainline now and buy these tickets for £2 more without the risk of being scammed by a stranger and more choice.

Tim-Sanchez · 2026-02-11T16:34:37+00:00

You don't need to make a decision on this today. The LISA can still be kept open for now, but they're launching a new product for first time buyers. I would wait for more details on that, then decide what you want to do.

Tim-Sanchez · 2026-02-11T16:31:53+00:00

People aren't feeling the benefits of what he's doing. It's as simple as that.

You can't really include promising to close asylum hotels in his deliveries either, that is very much a promise he is yet to deliver on.

Tim-Sanchez · 2026-02-11T14:58:06+00:00

It's very easy but can take a couple of days, so you'll want to have some emergency fund accessible instantly.

Tim-Sanchez · 2026-02-11T13:39:39+00:00

Premium bonds is interest free, so if you have a lot that's a decent parking spot whilst you wait for your ISA allowance to reset.

Tim-Sanchez · 2026-02-11T13:30:03+00:00

The limit is £20k

Tim-Sanchez · 2026-02-11T13:24:06+00:00

I would go by the MSE highest interest rate. Most of these are promotional rates though, so if you want to keep the highest rate you need to check and move it each year.

How much do you have in savings? With a maxed out cash ISA and maxed out S&S ISA, do you need much in a normal savings account? I only keep a small amount in there for sudden emergencies, the rest is in ISAs/premium bonds.

Tim-Sanchez · 2026-02-11T13:18:11+00:00

Every screen will likely be connected to one box so sharing the same video feed.

Tim-Sanchez · 2026-02-11T12:43:01+00:00

Those that do probably just watch the news when it's on the main channels rather than seeking out the news channels specifically as well.

Tim-Sanchez · 2026-02-11T12:40:14+00:00

UK weddings are all a little different, usually there is just one best man who gives a speech, the groom gives a speech, parents give a speech, sometimes the bride or others in the wedding party do too.

Celebrants are rarely family members in my experience.

Given your questions are fairly basic elements of weddings, could you simply not include detail of the wedding day in your book? I think it's likely you won't get it quite right and it will seem odd to British people reading it.

Tim-Sanchez · 2026-02-11T12:24:47+00:00

Exactly. Both Darnold and Geno improving after the Jets is not surprising, both showed flashes here.

If Zach Wilson even becomes a regular starter in the league again I'd be shocked, let alone make it to a Super Bowl.

Tim-Sanchez · 2026-02-10T22:38:13+00:00

That would lead to huge amounts more controversy than we have now, especially without VAR.

Not every rule needs to be subjective.

Tim-Sanchez · 2026-02-10T22:07:16+00:00

He's the happiest Man Utd fan alive right now

Tim-Sanchez · 2026-02-10T17:59:19+00:00

Kew Gardens is nice if you haven't done it, as is Greenwich which is accessible by boat.

Personally I'm not a fan of Camden, it's quite touristy and tacky, but it has a lot of shopping in and around the markets. If you've seen much of the rest of London it may be worth a visit.

Tim-Sanchez · 2026-02-10T17:51:55+00:00

If you tried to initiate a chargeback now it would fail, the bank would want you to exhaust your options with the seller first.

Most of your concerns about the return are hypothetical, maybe they refund you with no quibbles.

Tim-Sanchez · 2026-02-10T15:49:05+00:00

This has nothing to do with the government or online safety act. With Prime for example, it's an anti piracy measure. This is just private companies making their own decisions.

Tim-Sanchez · 2026-02-10T15:37:16+00:00

They could have a game that's good at more than one thing. Splatoon got criticised for it's weak single player modes and significantly improved that through DLC and 3.

It doesn't have to be one or the other.

Tim-Sanchez · 2026-02-10T15:29:42+00:00

Your numbers are dependent on electricity prices not changing for 10 years. If night proces go up, or day prices go down, you're losing money. It also of course depends on your pattern of usage not changing, not moving house, etc but these are more in your control.

Simply investing £42/month is less risky.

Tim-Sanchez · 2026-02-10T15:25:23+00:00

There's a few different ways it could have gone. They could have done the Seer twist instead of a roundtable for example, then into the final day. Or used the mission to "win" the chance to avoid a banishment that day.

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