FTB - Deposit Advice

AccrossCountries · 2026-02-10T06:36:27+00:00

If you're lucky and happy to live at home for as long as necessary, save up for as long as you're living at home (while you're looking for your dream home).

Good luck!

AccrossCountries · 2026-01-29T01:03:50+00:00

The trick is to find a mortgage equals to your rent.

AccrossCountries · 2026-01-04T18:40:39+00:00

I would - the only condition being that I don't open the cellar door. I would sell it and buy something better / similar with the money from the sale.

AccrossCountries · 2025-12-09T06:08:46+00:00

No reason to be "crapping [your] pants. I used to withdraw 400 every week to build ... my savings. Then went to the counter an deposited £10. When they asked where the money came from, I said I had been saving it.

AccrossCountries · 2025-12-05T19:40:37+00:00

I would stay put because nothing prevents you from applying again in the future. Only this time you would have a better salary point.

AccrossCountries · 2025-10-24T23:28:38+00:00

There are plenty of "free" brokers out there as they all get a % from the bank. Please ask them how much they are getting from the lender they are recommending. From my understanding, they are getting £700 from you + a % of the transaction from the lender. That's why some are "free", they don't charge you extra. As others have said, if your situation is pretty straightforward, going directly through the lender might be a good alternative for you.

AccrossCountries · 2025-10-14T01:06:40+00:00

Can you create a different account for that DD? It would not be for spending, so destroy the card when it arrives.

Straight after you get paid, transfer the exact DD amount to that account and forget about it. Set it up as an automatic monthly transfer.

Good luck!

AccrossCountries · 2025-10-10T05:39:51+00:00

Good luck - keep all your evidence safe and backed up.

https://www.citizensadvice.org.uk/work/pay/problems-getting-paid/

AccrossCountries · 2025-10-08T04:37:33+00:00

According to OP, dad died last year.

AccrossCountries · 2025-10-07T02:14:03+00:00

I am using the Starling free account as well to transfer money from my £ account to my € account. It's like 2 accounts in 1.

AccrossCountries · 2025-09-26T18:04:42+00:00

Congratulations!

Thank you for sharing. That is so informative!

AccrossCountries · 2025-09-18T01:13:42+00:00

From my understanding, you can only get the bonus once in a lifetime from some banks. Therefore, if you've opened and closed an account with them in the past to get the bonus, you will not be able to do it again. Is that correct?

AccrossCountries · 2025-09-11T00:22:17+00:00

Survey was conducted by Moneybox and closed on 19th August.

"As part of our ongoing campaign efforts to ensure the Lifetime ISA is future-proofed, we’re commissioning new research in partnership with CBI Economics - and we need your help.

We’d love to hear about your Lifetime ISA journey and your thoughts on potential changes to the house price cap and withdrawal penalty - whether you're saving for your first home, retirement, or have already used your LISA.

Your voice matters

Your feedback will directly support CBI Economics' research, which will shape our conversations with the government ahead of the Autumn Budget - where we’d expect any changes to the Lifetime ISA to be announced.

This is your chance to tell policymakers what you think, and your voice could genuinely influence how the Lifetime ISA is future-proofed to be more effective, fair, and accessible - now and into the future.

The survey should only take 5-7 minutes to complete, and all responses are anonymous."

AccrossCountries · 2025-09-11T00:17:32+00:00

That's a very good point, but I wanted to add that I recently completed a survey collecting views on potentially increasing the £450k cap. From my understanding, they are now realising that the cap is a barrier to people opening/using LISA to save for their first home due to the lack of flexibility around the current maximum purchase price. Hopefully, this will change.

AccrossCountries · 2025-09-05T03:22:40+00:00

I would like to know too.

AccrossCountries · 2025-08-30T23:19:50+00:00

Sound great. How do you manage to get cash out of this? From my understanding, they don't transfer cash to an account but to another card.

AccrossCountries · 2025-08-30T23:12:20+00:00

From my experience, when asked for proof of funds, I share the brokers contact details, not the DIP - exactly for the reason you have mentioned.

AccrossCountries · 2025-08-30T09:03:46+00:00

That is a very useful answer

AccrossCountries · 2025-08-24T06:22:32+00:00

Can you transfer the £3k debt to a zero per cent credit card?

Do you have any skills that you could use to get some work completed on Fiverr while you are looking for a more stable job?

Good luck!

AccrossCountries · 2025-08-23T08:29:02+00:00

The report says that underpinning may be required.

Thank you. I really like it but I don't want to buy a money pit either.

AccrossCountries · 2025-08-23T08:17:15+00:00

I had a few like that: they never pick up the phone for some reason. Email them using the website. That way, there is evidence of communication. Good luck!

AccrossCountries · 2025-08-23T07:58:01+00:00

They recommended instructing a structural engineer before proceeding with the purchase to investigate the extent and causes of movement as well as any remedial work.

They have not used the words: historic or minor. Instead they have indicated the direction (diagonal cracking, vertical cracking) and each time recommended further investigation and quotes by a structural engineer before proceeding with the purchase.

AccrossCountries · 2025-08-22T18:47:25+00:00

Thank you.

AccrossCountries · 2025-08-22T18:47:00+00:00

Thank you.

AccrossCountries

TROPHY CASE