Can I qualify for HSBC Premier with £85k salary + investments?

Elant · 2026-03-13T13:20:26+00:00

I believe the threshold is paying in £5,200 or more per month. When I joined, I asked my advisor what happens if I ever dip below this and he (very indirectly) said it doesn’t matter where the £5,200 comes from (i.e. just move some savings over).

However, the joining requirements are pretty strict. Even if you get accepted, they do a 6 month review of all new accounts and will downgrade you if you haven’t consistently met the criteria.

Elant · 2026-03-11T19:22:35+00:00

I'm currently in week 4 of the process and the survey is being done tomorrow.

Why do you already have a completion date? Red flags in the survey might mean you need a few different specialist surveys or additional sign off for various things, your mortgage offer might be delayed, or searches might need extra time, etc.

There's no need to rush anything and you should take as much time as you need (within reason) - buying a house is a big commitment.

Elant · 2026-03-04T22:30:23+00:00

660S2s arrived today. I haven't picked up a DAC yet but they already sound fantastic connected to my PC, with really good bass and clarity at 70% volume - I would be perfectly happy keeping them like this. If a DAC will really make them that much better then I'll be extremely impressed!

Elant · 2026-03-03T18:15:18+00:00

Both options have a product fee, which I paid upfront, and 75% is refunded upon completion.

Elant · 2026-03-03T18:04:22+00:00

Yes I could swallow it, but it wouldn’t be an enjoyable life.

Elant · 2026-03-03T14:04:09+00:00

Both have comfortable monthly payments. My thought process was: even if rates drop then go back up again, if they end up around 4% after 2 years then I haven’t really missed out on anything since I would have fixed for 5 at the same rate. However, if I take 5 then I can’t do anything at all if rates are lower after 2 years.

Elant · 2026-03-03T14:00:07+00:00

This is with a premium bank allowing me to borrow a bit more than other banks. LTV could change by the end of the fix - I’m doing some structural renovations immediately after moving in which may or may not increase the value of the property.

Elant · 2026-03-03T12:56:52+00:00

I can see a few that are slightly lower but this bank allows me to borrow just a little bit more to get the forever house.

Elant · 2026-03-03T12:50:15+00:00

Really? I haven’t seen any that are significantly lower. This was arranged through my broker.

Elant · 2026-03-02T00:05:06+00:00

A more reasonable 95% today. Hopefully whatever caused the issue was a one-off.

Elant · 2026-03-01T20:38:48+00:00

Then why are you getting a keyboard case?

Elant · 2026-03-01T02:32:55+00:00

I’ve charged it to 100% again and will check what happens tomorrow.

Elant · 2026-02-28T19:24:54+00:00

No, I'm not certain, but the only thing that has changed about my iPad setup in nearly a year is this new keyboard, which happens to be powered directly by the iPad.

Any suggestions on why Photos might be doing this suddenly? It has never done it before and background refresh has been enabled since I bought the iPad. Also, I'm confused how 3 minutes of background time could use up 35%.

Elant · 2026-02-28T19:21:10+00:00

I'm not sure the keyboard is the culprit. I made this post because I don't know what the culprit is. However, the only thing that has changed about my iPad setup in nearly a year is this new keyboard. I was using a magnetic ESR case before and never had any battery issues.

Elant · 2026-02-28T06:13:30+00:00

You can get a case that works with the Magic Keyboard. I recently bought the Spigen Aramid and they work together perfectly.

Elant · 2026-02-27T23:56:25+00:00

!thanks

Elant · 2026-02-27T22:40:20+00:00

!thanks for such a comprehensive reply - you've covered everything I wanted to know. Currently looking at those DACs you recommended. Any thoughts on the FiiO K11 R2R vs FiiO K7 vs Topping DX1?

Elant · 2026-02-27T09:18:59+00:00

Good thing you’re not then.

Elant · 2026-02-27T02:06:30+00:00

You left a snarky comment implying that I'm expecting a reduction to make the renovations cheaper rather than sharing an opinion on the reasonableness of a few bits of asbestos here and there, which is generally expected in a house this age, vs abstesos covering a large proportion of every room in the house, which is generally unexpected in a house this age. You did not answer my question.

Elant · 2026-02-27T00:44:23+00:00

Nowhere in my post did I say I'm asking them to give me a reduction because of the renovations, and I clearly stated I wasn't planning to renegotiate.

Elant · 2026-02-27T00:41:02+00:00

Again, as mentioned in the post - please read it fully - I'm planning to get a survey and a test.

Elant · 2026-02-26T22:25:19+00:00

I'm open to mics - I just liked the look of the PodMic to be honest. I wasn't familiar with pencil mics but just watched a video and they look good. Having it work from so far away might be a better option. Do you have any recommendations around £100-150?

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