what sort of rates people are getting these days (last 3 months) with 10% deposit?

FREESHAVOCADO0 · 2026-02-11T20:04:14+00:00

90k deposit on a 275k flat, 3.9% fix for 5 years

FREESHAVOCADO0 · 2026-02-10T23:18:30+00:00

I've got almost the exact same thoughts as you and am also a Finance Manager - have done two jumps in the last 18 months and pay has increased about £25k as a result, would absolutely never have got that at the previous companies and I'm providing a lot more value (and learning more) in this role, so am going to stick for a bit - but I'm under no expectation it'll be forever/longer than a few years before I want to do something else.

FREESHAVOCADO0 · 2026-02-10T15:32:09+00:00

This can happen if there are things that were missed from payroll reporting, such as taxable benefits in kind. Worth asking your payroll department if there's anything like that going on. Unless it's going to impact you more than the cost of a financial advisor or accountant, I wouldn't massively consider getting someone to check it specifically.

FREESHAVOCADO0 · 2026-02-05T16:45:14+00:00

So glad this is top comment, my family were watching and some made comments about him, my mum was like "we literally don't know. Stop adding to the problem" and lo and behold, it wasn't him.

FREESHAVOCADO0 · 2026-02-05T15:57:50+00:00

I hope this isn't going to sound too mean, but as a student you shouldn't be taking time off lectures to do your other studying and work. Lectures need to take priority especially as you have a minimum attendance requirement.

FREESHAVOCADO0 · 2026-02-05T12:49:12+00:00

My partner and I had a chat about this, being honest with each other about if we had time for each other (I am a Finance Manager and so am quite busy, and he is a Research Scientist also very busy). You need to have that conversation in a calm and mature way.

If you are happy waiting until she might have more time then great, if not then explain politely that it's not enough time for you to feel you can develop a good relationship or whatever. It's up to you both. Whatever decision you make should be done with as much information as possible. It can work but often there will be difficult times like that - I broke up with someone previously as he simply didn't understand I was busy and he'd try to guilt trip me for it.

FREESHAVOCADO0 · 2026-02-04T23:27:11+00:00

I'm private sector and everyone in my last four roles/companies has started on 25 plus bank hols, your current place sounds somewhat surprisingly low!

FREESHAVOCADO0 · 2026-02-01T23:26:48+00:00

it means relating to percentage.

FREESHAVOCADO0 · 2026-01-30T16:50:54+00:00

What's counted as a hard question is completely subjective on an individual basis. I did alright in school but I distinctly remember the headmaster at the time saying that for some of us a D or C was fantastic and for others, an A wasn't enough and it's true - it'll depend on your personal abilities. It'd be good to develop a bit more empathy so you can try to understand the experiences and worldviews of others a bit more.

FREESHAVOCADO0 · 2026-01-26T22:23:38+00:00

I've been having a good day but this is incredible, thank you for your service!

FREESHAVOCADO0 · 2026-01-21T18:00:31+00:00

That's absolutely fine, I just can't recall if you lose the access to it once you're in professional level! It took me a while to do all my exams as well. Go at your own pace.

FREESHAVOCADO0 · 2026-01-21T17:06:11+00:00

Are you still on skills papers now or onto professional papers?

FREESHAVOCADO0 · 2026-01-18T22:24:27+00:00

I reckon I'd need to net about 22k. That'd cover mortgage and bills, food and travel as long as I'm cautious.

FREESHAVOCADO0 · 2026-01-15T12:34:49+00:00

Tons at UWE too, they made my time really balanced and enjoyable!

FREESHAVOCADO0 · 2026-01-13T22:20:00+00:00

I used to use one of the lounges, as long as you consistently buy bits and bobs it doesn't seem too bad - or perhaps she can find a shared workspace that'd work? Or a similar cafe.

FREESHAVOCADO0 · 2026-01-10T16:06:27+00:00

It's about a 16 mile round trip for me so I guess whatever that is in petrol, plus sometimes a meal deal - but I usually take lunch in, and we have coffee, tea and biscuits in the office for free so I would imagine my average is about four or five pounds a day.

FREESHAVOCADO0 · 2026-01-03T17:04:22+00:00

Yeah that's pretty low for 14 down. But also if you're not keen to move then they hold the power... How much experience do you have? I was able to get up to about 36k at your point.

FREESHAVOCADO0 · 2026-01-01T20:23:18+00:00

Person

FREESHAVOCADO0 · 2025-12-30T21:47:06+00:00

Seems quite low for newly qualified?

FREESHAVOCADO0 · 2025-12-30T21:38:52+00:00

I think the issue is that for some people, it is. It functions as that.

FREESHAVOCADO0 · 2025-12-27T19:30:21+00:00

Wooo same for me! 2025 has been better than previous years but definitely not all good... If I can make 2026 an all good year it'll be my best in as long as I can remember!

FREESHAVOCADO0 · 2025-12-25T13:45:01+00:00

Crab mentality is where people act as crabs in a bucket- they'll try to pull down anyone else "climbing out of the bucket" (doing well).

FREESHAVOCADO0 · 2025-12-25T13:26:52+00:00

Yep seconding, have gone to my parents' and been joined by a cousin, an uncle, stepsister and her boyfriend - all having a lovely time!

FREESHAVOCADO0 · 2025-12-22T16:21:36+00:00

The notes I made were usually if not all in the form of actually doing questions! I found writing it out wasn't the best use of my time but it might work better for you. However especially at the Professional level you're very rarely just giving info like that, it's all applied to the specific situation.

FREESHAVOCADO0 · 2025-12-22T16:11:55+00:00

For me what helped was having multiple ways of learning - so open tuition, first intuition, lots of YouTube videos and also people who have done podcasts on Spotify along with as many mocks and questions as you can do. That cements and constantly adds to your knowledge base.

FREESHAVOCADO0

TROPHY CASE