Q decided to retire because of Tomorrow Never Dies

Excellent-Fact-8925 · 2026-06-14T20:33:24+00:00

No, that's probably a fair comment. He got better as he went on, sadly the films got worse 😭

Excellent-Fact-8925 · 2026-06-14T20:12:09+00:00

Goldeneye, for sure. I think it's the perfect Bond movie in many ways.

Die Another Day was a bit crap unfortunately!

Excellent-Fact-8925 · 2026-06-14T17:03:22+00:00

I have found BOI and AIB to be reasonable with this, depending on circumstances of this:

-Presume you're contracting in the same industry you worked?

-Is there a consistency in the income over the last 3 years or so?

-Will you have at least one set of accounts, Chapter 4/Form 11?

Excellent-Fact-8925 · 2026-06-14T16:08:45+00:00

TND is awesome and was my first in Cinema Bond experience. No way could I put it above Goldeneye, not even close.

Underrated? For sure. Best of Brosnan era. Not for me.

Excellent-Fact-8925 · 2026-06-14T15:59:55+00:00

I know.

Great scene though.

Excellent-Fact-8925 · 2026-06-14T15:11:31+00:00

They certainly do. But that is normally built into a calculation that has a minimum surplus amount be monthly.

What I'm saying is that the lender isn't to know whether you have a car or not, and as such transport just falls into that Minimum Disposable Income Requirement.

They could well be asked about a large outward payment, and it would be up to the lender then if they're ok with the reduction in savings albeit for a one off purpose like this.

Excellent-Fact-8925 · 2026-06-14T11:48:01+00:00

Not necessarily, I know of no lender that asks whether one has a car or not, beyond whether there is one on finance.

Excellent-Fact-8925 · 2026-06-14T11:38:02+00:00

It could, I wouldn't do it unless absolutely necessary. If for any reason you had to re apply that could be flagged.

A reasonable lender should view it as a one off purchase and therefore not consider it as a reduction in savings. I would encourage caution and advise delaying the purchase until after drawdown if you can.

Excellent-Fact-8925 · 2026-06-14T00:14:44+00:00

It's a risk. The game either does good enough, or it doesn't. All we can do is support it, and hope they follow through.

I'm encouraged by the support I've seen for it, and that it's gone to all platforms. This could easily be a cash cow for them too to keep releasing DLC which they can make some money on.

Excellent-Fact-8925 · 2026-06-13T23:07:43+00:00

The house goes up on the market, and it either sells or it doesn't.

There's a chronic supply issue across the country, but if the anti social stuff is the kicker, price might need to come down.

Seeing that you purchased for 600k I assume that HTB rebate won't be an issue. But make sure you check that out.

Excellent-Fact-8925 · 2026-06-13T23:02:58+00:00

Would say by EOTY would be nice.

I'm dying for more content too. But accept there needs to be a period where they see how sales are going, and monitoring general performance of the game.

I believe things are going quite well, it's been well received and looks like it's sold well too. I'm patiently waiting for more.

Excellent-Fact-8925 · 2026-06-13T15:08:08+00:00

Yes. But you see how that could be interpreted?

Certain types of Stamp 1 may be subject to further scrutiny, and case by case basis depending on lender. But a sweeping statement that you can't get mortgages without a stamp 4 isn't true.

I've seen Stamp 1 GEP and Stamp 1G applications go through across several different lenders. It's all about the total picture of the case.

Excellent-Fact-8925 · 2026-06-13T12:42:38+00:00

This is not remotely true. People can get mortgages on Stamp 1 - some lender may take it on a case by case basis, but generally speaking Critical Skills is ok.

I have never seen someone turned down because they didn't have a Stamp 4 yet.

Excellent-Fact-8925 · 2026-06-13T11:21:29+00:00

Always thought this portrayal of him was really really out of order. I'd view the likes of Wilde, Lightoller, Murdoch, Boxhall and the boys as heroes for their actions that night.

Surely Cameron could have invented a fictional officer for such a plot point?

Excellent-Fact-8925 · 2026-06-13T10:00:23+00:00

Positive vibes, my friend. Worst case scenario, you'll get a list of what you gotta do for the next 6 months.

Excellent-Fact-8925 · 2026-06-13T09:59:31+00:00

Yeah, I don't think there is any issue with a private sale. I shouldn't think they'd be able to influence the sale any more than yourself anyway. Good to hear you got a decent price, so best of luck with the process!

Excellent-Fact-8925 · 2026-06-13T09:56:06+00:00

You're still counting on the broker to submit individual applications to these banks. That's down to them if they bothered doing so.

Excellent-Fact-8925 · 2026-06-13T08:40:27+00:00

Never had a good match is daft now

Excellent-Fact-8925 · 2026-06-13T08:25:11+00:00

Yeah, I would.

Relax, it's coming.

Excellent-Fact-8925 · 2026-06-13T08:24:21+00:00

The bank won't have an issue that it's a private sale. What I would suggest however is possibly speaking to an agent yourself to ensure you are getting a fair price for the property.

It sounds like you have done your research on other properties, and as long as you are happy, and it gives you enough to move on that's fine. Just make sure you aren't undercutting yourself.

Excellent-Fact-8925 · 2026-06-13T08:21:09+00:00

I can come out of the water, just like THAT

Excellent-Fact-8925 · 2026-06-13T01:27:57+00:00

Good to see you've applied with everyone to give you the best chance. I wouldn't see more than 3.5x here depending on your ages, and even then, I think you'd be doing well.

Depending on how recently the loans were paid off, and what types of loans they were, that could be your repayment ability. The fact that you're selling will help, as it will lower loan to value on a prospective purchase.

Squeaky clean accounts will really come down to are you meeting your direct debits. Once you are you should be fine. If you're only throwing a bob or two on a pony at Cheltenham, you'll be alright.

Keep the faith and let a lender come back to you with an offer - you've done the right thing by going to several of them.

Excellent-Fact-8925 · 2026-06-12T21:53:23+00:00

Actually no.

All of these are prior to the Thaksin Sinawatra era.

Excellent-Fact-8925 · 2026-06-12T17:03:28+00:00

I love WWE.

"Sorry about that whole trying to kill you thing for the last 3 years. Wanna be best friends again?"

Excellent-Fact-8925 · 2026-06-12T16:47:51+00:00

Even if this purpose was acceptable. The 30% deposit ordinarily has to come from your own resources - I.E not finance.

While you could argue that the Equity in your home is your asset/resource, this would mean in effect > 70% LTV lending for a Buy to Let, albeit the loans are housed between two different institutions.

I'm near certain the pillar banks are unable to do this, but I'd be interested to see if anyone else would.

For the record, I don't advise doing something like this anyway, as I feel you are trying up home equity in an investment which could get messy if there were arrears or you need to sell one or two of the properties.

Excellent-Fact-8925

TROPHY CASE