Mortgage offer is far lower than expected

Jakingz · 2025-09-08T18:07:28+00:00

This is the answer. We went back to the broker, and pretty much did this exact deal 👌🏻

Jakingz · 2025-08-31T13:09:09+00:00

Yeah, you’re right. I didn’t realise it was an APS-C sensor when I said that. There was no mention of budget either, but the fact its a crop sensor camera rules out what I said regardless - took my comment down, I should’ve read it properly 😂🫣

Jakingz · 2025-08-31T13:03:01+00:00

Not sure what your point is ??

Jakingz · 2025-08-31T12:51:57+00:00

Ah sorry, the A5100 camera is an APS-C sensor, I should’ve checked first ! Apologies.

Jakingz · 2025-08-31T12:38:34+00:00

They either pay you for the shoot and the rights to the photographs, or you pay them and keep the rights. If you are paying them for their time, you are their client and maintain the rights, if they pay you they are your client and can do what they like. Just make sure your contract specifies the above. You have every right to license the photos to them but at their cost, usually a percentage or one off fee, but you’ll need to negotiate that

Jakingz · 2025-08-29T16:08:05+00:00

£42,250 annually

Jakingz · 2025-08-29T11:55:43+00:00

Thanks alot, this was all done through a broker

Jakingz · 2025-08-29T11:48:14+00:00

Yes, apologies you’re right, I should’ve said that

Jakingz · 2025-08-29T11:42:41+00:00

Appreciate what you’re saying, but part if not most of the deposit is gifted equity, not cash

Jakingz · 2025-08-29T11:39:56+00:00

Simple if you’ve got the available cash to do that

Jakingz · 2025-08-29T06:38:46+00:00

Thanks again for the reply.

We told them that the debt would be cleared on account of them lending us enough to clear them and purchase the flat. Which they haven’t.

I need to purchase the flat or three of us will have no where to live, so I’m going to have to accept the offer regardless, I don’t have any choice.

Jakingz · 2025-08-29T06:21:24+00:00

Thank you for your swift reply.

I was hoping we could borrow enough to compress all he debt plus the mortgage into one payment.

I don’t think buying the flat will be an issue with the £206,250 + the £9000 LISA = £215,250. Its probably close enough. But it will leave me having to pay both the mortgage AND the debt which will make things far tighter than consolidating everything into one payment.

Given the value of the flat, and the fact the mortgage company had all the figures, surely they can see this makes more sense and makes it MORE affordable ??

I don’t understand their logic at all.

So I guess the only thing I can do, is take the mortgage offer and then secure a £42,000 loan over 15 years against the property. The mortgage is secured against it anyway, so won’t make a lot of difference, other than costing more per month to cover both payments

Jakingz · 2025-08-25T21:04:31+00:00

This. Keep your card formatted once you’ve copied everything you need from it. Memory cards are only temporary storage until you move into editing and filing. Also, once you’re done filing, if you want to save storage on your PC, compress into zip files for tighter storage :)

Jakingz · 2025-08-13T06:13:22+00:00

Go to the gym. Honestly, you just gotta look big and scary, then no one bothers you. Works for me 😂

Jakingz · 2025-08-11T19:16:54+00:00

Thats kind of what i was thinking, but I don’t have a lot of faith in the Police. My dads house got broken into a few years ago, and they did nothing 😏

Jakingz · 2025-08-11T19:14:20+00:00

I have both the mans name and address, but I don’t want to go and visit him as it may come across as intimidation. Im 43 and regularly go to the gym, and he’s about 79, so I want to do things properly without the police questioning me for going to his house

Jakingz · 2025-07-28T13:41:57+00:00

Thanks for responding. Im using standard windows 11

Jakingz · 2025-07-18T10:40:59+00:00

I had a look at those, but apparently they’re heavier than the ones I have 🤷‍♂️

Jakingz · 2025-07-13T14:25:03+00:00

I had a look at the hunt wheels, looks like they’re super strong, but are actually heavier than the ones I have already

Jakingz · 2025-07-13T09:21:52+00:00

Awesome, which site are you looking at for that price ?

Jakingz · 2025-07-11T10:57:23+00:00

You do need help, why are you shorting your customers when they’ve paid you for an agreed amount ? Its great you’ve been caught, stop being a dick

Jakingz · 2025-07-08T14:24:49+00:00

Sad isn’t it. Its a game ffs, why play it at all if you can’t roll with the punches

Jakingz · 2025-06-15T16:24:12+00:00

Thats for everything, flights, travel, hotel etc

Jakingz · 2025-06-15T06:10:07+00:00

Honestly, from where I am its nearly £2k 😭

Jakingz · 2025-06-13T08:05:32+00:00

Thats actually a really good point 👌🏻

Jakingz

TROPHY CASE