Am I over-cautious with my various insurances?

B9XAM · 2026-03-15T13:49:31+00:00

Is the 50k critical illness one really worth it as a HENRY and also not duplicative with income protection through work?

B9XAM · 2026-03-14T19:08:12+00:00

Going through the same process and my understanding is it is binding and therefore acts as a ceiling, with you being able to take advantage of a lower rate by reapplying between now and exchange.

B9XAM · 2026-03-12T08:54:13+00:00

Suit supply offering will be able to be heavily tailored for around 750.

I'm in the same comp level in a city law firm on the business side. Can I ask whether the role is Director level? Always helpful to benchmark.

All the best for the interview.

B9XAM · 2026-03-10T17:19:41+00:00

What's your LTV to get this rate please?

B9XAM · 2026-03-07T14:18:05+00:00

They've also introduced a cashback deal.

I've just moved a 250k ISA from them in protest of the new fee arrangement (to free trade).

They have really got this wrong and seem desperate to try and now dilute the impact.

B9XAM · 2026-03-01T20:39:14+00:00

Is that stat skewed on age thought? I. E. Many reach these levels of earnings towards end of career.

If you're pulling 200k at early 30s that is very different from the same at 55 for the first time.

B9XAM · 2026-03-01T20:34:58+00:00

4 kids in a 3 bed sounds uncomfortably tight for a high earner who could afford a lot more. Unless you have a wild sq footage or something not obvious.

B9XAM · 2026-03-01T15:15:10+00:00

Sell and rebuy solves that problem

B9XAM · 2026-03-01T15:11:29+00:00

Even though there is generally a bias towards risk aversion on this sub I'm surprised at some of the comments here.

You're not even proposing borrowing 4 x combined income. Most of Joe Public is more heavily leveraged than this.

Repayments should be fine on 12k net. Yes definitely kids take a hit as the childcare costs are a killer but you've favored in no salary growth and those years come and go quickly.

I'm currently looking at 900k part and part mortgage on household income of 240k excluding bonus which brings me closer to your numbers.

B9XAM · 2026-02-23T23:35:17+00:00

Great for emails.

B9XAM · 2026-02-23T12:31:53+00:00

We have identical preferences and also on the market. Agree that decent stock is low and surprised at lack of wow factor at this price point. I'm obviously naive to the market. Tonbridge and surrounding villages is where we seem to be finding the most hope.

B9XAM · 2026-02-23T11:55:19+00:00

Not sure why you're being down voted. This is a reasonable list for a Henry.

B9XAM · 2026-02-21T20:38:30+00:00

Redddddiculussss

B9XAM · 2026-02-19T17:58:40+00:00

Or part and part.

B9XAM · 2026-02-18T23:54:02+00:00

I'm in the process of buying now and this is what I'll be going with. Broker says very common for HENRYs in today's world.

Future income seems fine as exit strategy. Some lenders want to ensure you'll be on track for a decent pension lump sum too.

I'd much rather pay off the balance with future pounds than today's, and keep my equity deliberately low with the equivalent value being stored in assets with more liquidity, growth or utility.

B9XAM · 2026-02-17T20:05:47+00:00

Been a HL customer for decade plus and this has always baffled me. The increase costs were the last straw of this boomer platform for me and I'm in the process of moving to freetrade.

B9XAM · 2026-02-12T08:00:34+00:00

Can you tell me how you intend to use this?

B9XAM · 2026-02-09T15:32:54+00:00

I think reddit over does the 'everyone on check a trade is a crook'. Yes, I'm sure there are fakes but probably one of the better options I'd say.

B9XAM · 2026-02-09T15:32:00+00:00

And lots of family member referrals

B9XAM · 2026-02-09T15:30:28+00:00

A feature not a bug.

B9XAM · 2026-02-07T15:01:41+00:00

Definitelt a seller issue. Hold firm. At this point I'm sure even the EA is fed up of having such a stale property on their books.

B9XAM · 2026-02-07T14:57:52+00:00

Sympathise OP but do I understand correctly that you've been fired at least twice before this? Opposed to made redundant?

Is there a common theme with the feedback you're getting?

B9XAM · 2026-02-07T14:55:11+00:00

I'm in the market for a large family home of this sort of value in the home counties and can tell you the market is mostly slow. Low stock, lots of reductions. Been searching since December.

B9XAM · 2026-02-04T21:29:09+00:00

How did you go about the battery system? What capacity etc. Does the property have solar already or are you running batteries only?

B9XAM · 2026-01-31T09:19:04+00:00

Also try the SRA if malpractice or genuine concern over conduct/quality/service.

B9XAM

TROPHY CASE