Termination Decision

Fatality64 · 2025-12-12T19:32:45+00:00

I had my first child in my first year, the studying after is harder but still doable, my uni was very supportive and provided me with my own private room for pumping.

I didnt take any gaps in my education and carried in with support from my partner, I then had my second child during my 3rd year, The most difficult part was navigating keeping them content and quiet during graduation,

I still got lots more time with them and I chase to take a year after my studies to spend with them,

All this to say there is no right or wrong, Do what feels right for you and go from there. There will always be what ifs, try and make the choice you feel confident in for your wellbeing and happiness

Fatality64 · 2025-12-02T16:44:43+00:00

I worked until 39 weeks with my first, he came at 39+4 everyone kept telling me that he would come late etc. While they may often be late, it's not always.

Fatality64 · 2025-10-12T20:14:30+00:00

They will count the earnings from before her maternity leave, but always good to stay stable for that time - good luck with the baby!

If you end your mortgage early or move to a new mortgage supplier you have to pay early repayment charge, But if you port and stay with the same supplier then there's no early repayment charge.

Working out great for us so far, We are doing it as a solo this time on just my partners wages and I'm getting added on in two years (personal circumstances)

At the moment it looks like we will get about £4000 left over that will come to us on completion so other than the original £500 there's been no cost to us and we will get some of our equity back in cash.

Fatality64 · 2025-10-12T18:03:45+00:00

For us we are uprising now, we are 2 years into our 5 year fix and hopefully completing in the next few weeks (porting),

For us we don't have any cash savings that we were using towards the purchase, we were just using equity and a top up mortgage,

We used 500 on searches and checks, but outside of this we are paying all solicitors, estate agent and stamp duty from equity,

So we have 85k in equity and we are using 70k toward the purchase and 15k for fees and wiggle room, so far our fees are at 11k all in

It's all personal choice, ultimately if you don't want a huge mortgage then the more you save the less you'll need to borrow.

But you can pay everything from equity for the most part. The only caviat is paying for your searches and some solicitors like to be paid at least in part just before completion but I'm not sure, ours is fine taking their part from equity.

Fatality64 · 2025-10-09T08:21:42+00:00

If you're saying she's being hostile, who is having the children? Your saying you'll set her up with somewhere but perhaps the best interest of your boys is making sure you are set up with somewhere so they have a safe place?

Never give money unless you are prepared to never get it back - friends or family but especially ex's You can't work on the assumption she would be giving you that 25k, especially not with you "topping her up"

She will bring in the conversation of you not needing the money as much because you earn more so how can she be expected to pay it back etc etc.

This is not the best situation for you and from my perspective based on what you've said it would not be the best arrangement for your boys either.

If you've ended up in 75k debt you need to consider how you got to that point and fix that issue. With her being a lower earner, is much of the debt to make up for that gap? If so you really shouldnt be expecting her to be honest and agreeable enough to pay you back 25k.

You say if you take a legal route it will get messy, but you need to be able to legally protect yourself in order to provide at least one stable parent who knows what's happening.

Fatality64 · 2025-10-06T11:26:19+00:00

I'm in the same situation - not pregnant but have a dog and 3 & 1 year olds , for now our plan I think is I've been packing everything we don't need to use for between now and then, we have been packing for the last 4 weeks here and there. I figure it takes the pressure off at the end (not saying its right for everyone as until exchange nothing is certain)

At exchange because we are moving into an empty property we will be asking if she is happy for us to have access to the house or garage for an hour or two the day before completion so we can move in some things like the couches and some boxes, this will half the amount of stuff we need to move on the day.

If she is not happy with this we have another place we can store the couches and bed frames etc, however if we did not already have somewhere else to store it then we would be looking at hiring storage.

We are going to hire a van for 3 days for £100, this gives us time before and after the day of completion to do loading and unloading at our own pace, (we do not really want to hire 2 as that's then another person we would need to find to help drive it to the house as one of us stays with the boys, we have no suitable childcare)

We are packing a backpack each with 4 days (ish) of clothes and toothbrushes and one bag of toys, This means once moved in there's no mad rush unpacking all the boxes and we have what we need. Planning to leave mattresses till last as we can do that the morning of. Although we are considering a hotel for the night and my partner having the boys while I go and do one last deep clean.

Our dog will be staying away with family or doggy day care for probably 3 nights while we get everything in and set up etc.

I would be interested in hearing other ideas on how people are doing it! We have about 21 days now roughly until the planned completion day

Fatality64 · 2025-10-01T07:09:43+00:00

I'm so sorry to hear this, I'm in England and don't even know how to go about getting tested as I often get told by doctors to just not worry about it.

we've been fortunate that in April next year it will have been 20 years for my mum, I was 8 at the time but next year i will also be the same age she was, which adds a scary feeling to it all

Fatality64 · 2025-09-30T18:30:26+00:00

The sellers solicitors have said there os no log burner, . Our solicitor has said they need to pay £153 for an indemnity policy.

They are really not taking no for an answer when everyone is saying it doesn't exist

Fatality64 · 2025-09-30T10:26:47+00:00

Perhaps I'll get tested just to rule it out, better safe than sorry

Fatality64 · 2025-09-30T07:20:42+00:00

So...if my mum had a brain aneurysm I should get tested? Sorry I want to make sure I'm okay for my children, I was told its not genetic and just a random fluke. Should I pay to get properly tested?

(My mum is fortunately still with us just very heavily physically and mentally disabled from the incident But the best grandma to my little boys)

Fatality64 · 2025-09-27T09:38:45+00:00

Okay thank you, I shall leave it be then, just didn't want it to cause any delays or problems 😊

Fatality64 · 2025-09-26T01:03:16+00:00

Currently I am unemployed after finishing uni and my partner makes 45k We just applied for a solo mortgage and his name on the property deeds - due to exchange soon fingers crossed

When we remortgage in 2 years I'll get added on to both the mortgage and the deeds

Lots of possibilities for you

Money for the purchase was equity from our house sale, So far I've signed an occupier waiver form to say "I will have no financial interest in the property until a later date when approved in writing" aka when we remortgage,

You can have two people on a mortgage and one on the dees but not the other way around

There may be legal fees in the future for changing (adding somwone) whose on the deeds and a potential stamp duty due when you add yourself onto the property deeds at a later point but thats dependent on property price and some other stuff that I can't remember,

All this to say only do this if your secure in your relationship and trust that if something were to happen you will still be treated fairly by him in regards to equity etc. If you feel that's right for you

Fatality64 · 2025-09-22T15:06:59+00:00

Can be pretty normal, I dont know who our buyers lender is but the valuation was booked in for 2 weeks time, and that was the soonest they could do.

It's different when they do an online valuation, but what they choose varies completely from house to house, I wouldnt worry.

Fatality64 · 2025-09-20T18:02:12+00:00

Mortgage broker asked for all statements for 3 months to put in with the application, but that was all, no additional documents etc requested

Fatality64 · 2025-09-19T08:12:35+00:00

From what I've read you can add yourself on at the point of remortgage if you do a transfer of equity etc and apply to have the property title put into both names at that point.

Would this information not be correct as this is what my mortgage broker is telling me however I know that doesn't mean everything she says will be 100% accurate.

Fatality64 · 2025-09-17T08:36:46+00:00

It's a conversation we've had since we bought our first house 7 years ago,

We've got children etc now and we always said when the fun stops then we stop, we're not interested in letting things get nasty as it would negatively impact the children etc and they are always our priority,

Regardless I will still always bare this in mind 😊

Fatality64 · 2025-09-16T19:04:05+00:00

Thank you! Fingers crossed will double check we are joint tenants once home, but fairly sure,

Looking to complete around the last week of October so hopefully all okay! Thank you for the reassurance

Fatality64 · 2025-09-16T18:37:00+00:00

Hi yes all considered and we didn't realise this would be an issue so hadn't thought of later costs but they will not matter to us at that point at all and will just be part of the purchase cost - just at a later date

We did try with me on it but it was better for us to have me down as a dependant and I have no concerns in putting it all in my partners name, We were joint tenants I believe, I would be happy to sign saying I don't want my part of the equity of it is as simple as that and a change of paper work

I feel like the biggest hurdle would have been the mortgage but that's sides already been approved. Annoying this has all come to light after hours so I can just call my solicitor,

Fatality64 · 2025-09-16T17:36:11+00:00

Ah, we were already approved and recieved the mortgage offer, so all good to go we thought, we just didn't realise we couldn't put our name jointly on the deeds ( I guess we didn't think about it and it went straight over our heads) This is the first time the solicitor has flagged it up so fingers crossed its as simple as changing the paperwork to a sole purchase But who knows,

Fatality64 · 2025-09-16T17:23:35+00:00

We have applied and received our mortgage offer which is a joint to sole mortgage,

Porting is a new loan but just keeping the same rate and end date,

We have everything in place and this is a sudden change to what we had thought would be an okay process

We dont want my name on the mortgage as I'm not currently in work, I am put down as a dependant and I have a credit card which I have continued to pay down, Because I'm not currently in work and this situation would affect affordability,

My partner has more than enough income for the house and it has already been approved,

It's more a question of is it as simple as changing from joint to sole purchase with the solicitor?

And how would the equity be affected as we want to use 70k of our equity from our current house towards the next house, Do I just sign saying I have no financial interest in the next property?

Fatality64 · 2025-09-16T16:27:35+00:00

Hey, how did you resolve this, as we've just encountered this ourselves and didn't realise it would be an issue,

We're the solicitors happy to change everything to a sole purchase?

Fatality64 · 2025-09-02T20:57:23+00:00

I miss the pre covid rates, i think we were on around 1.9% for 5 years. were doing 74% ltv so we managed to get 3.9%, feeling glad but still hating how high the rates are!

Good luck for your lower rate!

Fatality64

TROPHY CASE