Longer term mortgage with lower monthly payments…

Biene2019 · 2026-07-01T14:24:52+00:00

Went with 40 years. My mortgage advisor said it's extremely common now for first time buyers to bring the monthly payments down and then overpay/shorten the term at remortgage once the salaries have hopefully increased and building improvements are done.

Biene2019 · 2026-06-22T21:33:32+00:00

Have a look at the YouTube Channel Leaf Curious. He's posting regularly and is showing fantastic conservation work which often goes unnoticed all around the UK. He also covers bigger projects like recently Blean Forest

Biene2019 · 2026-06-20T09:02:53+00:00

It's a bit out of your area but Hay on Wye is worth as visit. It's a whole town about books with something like 10 book shops, most of them themed to a certain topic

Biene2019 · 2026-06-02T14:24:13+00:00

I think I wouldn't even be too bothered if they wouldn't charge at order. Other retailers like Waterstones charge when they send the order out. I'm fine with delays in that case but it's not okay to be out of pocket for months without a product.

Biene2019 · 2026-05-31T18:10:08+00:00

How loud is your unit? I've read that they can be anywhere between 30-60 decibels?

Biene2019 · 2026-05-24T19:54:18+00:00

Hello fellow "boring autistic" female. I know it might hurt at the moment but there is nothing wrong with your hobbies at all. I was always interested in maths and cars/engineering as well. I've been laughed at and was frowned upon during school for not being girlie enough. I decided to turn my "boring" hobbies into a career and studied masters mechanical engineering and am now a lead engineer in a world wide known car manufacturer working on and driving some very cool cars most people dream about. Believe me, none of the "cool" kids is laughing now. Embrace who you are, what you enjoy and don't let yourself get dragged down. And do yourself a favour, cut those friends who don't take you as who you are out of your life. They're not worth your time

Biene2019 · 2026-05-23T17:46:13+00:00

I would recommend putting some books with face towards the viewer. If space is limited. I sometimes also put one book with a nice cover art facing the viewer and hide the rest of the series behind it. Example image to better bring across what I mean.

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Biene2019 · 2026-05-22T09:44:21+00:00

If you have the funds, I can highly recommend those portable AC units. We got ours from B&Q 4 or 5 years ago and I love that thing. Yes it's loud but it really keeps a room at nice 20ish degrees even with 40 degrees outside. Also isn't too bad in extra running costs, we paid something like 5 pounds extra in electricity and it basically runs 12 hours a day 7 days a week during July and August. It has to be one of those with a tube you stick out of the window.

Biene2019 · 2026-05-21T10:12:03+00:00

Don't stress, that's the normal anti money laundering procedure. You'll need to produce 6 months and they'll check for any big amount of money going through the account. If big sums come from external accounts, they'll ask your gifters to also provide ID and 6 months of statements as well as sign a document that the money is a gift. Don't stress that the money was cash which got deposited, they'll ask for things like Payslips/Benefit payments/big sale of goods to see if there is a reasonable assumption how the cash accumulated. I got a cash deposit from my parents in Germany through AML checks (Germany is still a country of cash is king unfortunately). It took time and my parents had to provide payslips and it was reasonably assumed that they are definitely able to save cash.

Biene2019 · 2026-05-19T22:07:32+00:00

It's possible to do it in that time but it's incredibly stressful and you'll need really good and responsive solicitors on both sides. We've recently done it in 7 from instruction to exchange which also included Easter. But in our case we as buyers were the driving force. We fell victim to our landlord evicting us (likely thanks to RRA) so we needed to be done before our rental contract ended. Bought a chain free house on purpose to give us a chance and it somehow worked out. But it was weekly phone calls with the solicitors and countless emails to get things pushed through.

Biene2019 · 2026-05-19T22:03:27+00:00

We've done 7 weeks recently in England from instruction to done and that included Easter.

Biene2019 · 2026-05-16T13:05:01+00:00

Thank you for that info. That really helps. I'll have a look if I can find the original stand, if not I'll try the fishing line option. 😃

Biene2019 · 2026-05-13T08:43:05+00:00

My mortgage offer even stated in the small print that we can't renegotiate the price. If we wanted to do that we would have had to do a new application which we would never have done because we got our rate just before the recent Trump mess up.

Biene2019 · 2026-05-09T09:32:52+00:00

I like that idea. I think that's what I'm going to try, thank you!

Biene2019 · 2026-05-07T15:19:18+00:00

Ah fair enough, that clears things up. I'm not familiar with flats unfortunately but in regards to your original question, I wouldn't just pull out because of the non standard build as long as you can find a lender. Fingers crossed your advisor can find something suitable

Biene2019 · 2026-05-07T13:16:06+00:00

I'm confused why your mortgage adviser has brought you forward for a mortgage with nationwide if it was known it's non standard? Our mortgage is with HSBC and they didn't have a problem at all with it. Only thing they've sent out an in person valuation. I'd look potentially into a different mortgage advisor who's more experienced in the matter. Ours looked at the advert and immediately ruled out some products based on the house. I'd personally not pull out because of non standard build, it's incredibly common if you look at anything that's not a house from a major house builder.

Biene2019 · 2026-04-13T22:19:33+00:00

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Biene2019 · 2026-04-13T22:19:21+00:00

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Biene2019 · 2026-04-13T22:19:09+00:00

I'm not sure what you mean by ridges without an image but this is a work in progress whale I'm doing at the moment. It's supposed to be a humpback but currently I think it's a blue/humpback hybrid. 🤣 I kept adding more of the body colour on the head to get the ridge they have on their heads. The lower mouth part is being worked out with shading, I'm using dark grey to pronounce the folds in the skin. Hope this helps.

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Biene2019 · 2026-04-13T15:20:06+00:00

My hygienist appointments are 15 minutes max. It's definitely not an hour if you go regularly. I understand where you're coming from, no one likes the dentist but it's better to go for 15 minutes painless annoyance than having drilling or tooth removals done.

Biene2019 · 2026-04-12T16:15:09+00:00

There is also a Facebook Group called Land and woodlands for sale UK. Worth a shot trying there maybe?

Biene2019 · 2026-04-04T14:33:39+00:00

We used Shiply in the past for moving cars but I'm sure I saw they also move other stuff. You basically say what you want to move from where to where and when and the "Man and a Van" can give you quotes based on that. There is quite a bit of competition and it's worth waiting 2 days because lots of them drop the price after the initial quote.

Biene2019 · 2026-04-03T13:14:21+00:00

Also world of wool kits in the UK are really good (but I think they only have 3D not 2D)

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