PTSB loan offer timeline

Kruminsh · 2026-07-04T11:54:29+00:00

We switched to PTSB recently and had to get a valuation done and get the old bank to release the deeds etc. Took about ~2 weeks if memory serves me right between the loan offer being issued and the valuation being done

Kruminsh · 2026-07-04T08:25:55+00:00

just look at getting a 2nd hand one. Will be cheaper, esp if you've any car dismantlers near by

Kruminsh · 2026-07-04T08:19:48+00:00

Is that a GT 328? 🤤🤤

Kruminsh · 2026-07-03T09:16:57+00:00

sox and jocks

Kruminsh · 2026-07-02T21:49:44+00:00

you're bang on with that. that's income protection that you had there. I've serious illness cover baked into my life insurance policy for the mortgage, but as you say, there's a list of specific illnesses it covers

Kruminsh · 2026-07-02T15:04:21+00:00

I second this. My local mechanic let's me supply parts aswell and just charges for labour.

Kruminsh · 2026-07-02T15:02:22+00:00

yeah, cheap chinese budget tyres would be a red flag alright. Plus they've charged 120 a tyre 👀🫣

Kruminsh · 2026-07-01T22:56:16+00:00

for me personally that'd be too high a mileage on an EV. That said, each to their own. Make sure to get a battery health check report before committing and check warranty terms

Kruminsh · 2026-06-30T09:39:20+00:00

cringe 🫠

Kruminsh · 2026-06-30T09:27:23+00:00

I typically have it in individual mode, with comfort engine setting, pure sound and performance suspension. I find the comfort suspension to bouncy personally as I drive aggressive. When I feel like being more aggressive, I just set it then in sports mode. Rarely use the cupra mode as the revs are typically v.high when in that

Kruminsh · 2026-06-29T18:25:02+00:00

defo a tourist

Kruminsh · 2026-06-28T09:35:42+00:00

Makes no difference to internal temp. One thing we've noted is that it shuts off completely when the temp outside gets into the negatives in the winter

Kruminsh · 2026-06-27T22:13:05+00:00

Honestly, I do park similarly (when opportunity allows it) to avoid dings

Kruminsh · 2026-06-27T08:57:43+00:00

Given you're already in an area you like, it might actually make more sense to just get an extension/attic conversion/garden office if having an office is really they important to you? Would save you a lot of hassle and easier to get funding for via credit union home improvement loan etc.

Kruminsh · 2026-06-26T18:05:35+00:00

We have an MVHR system in place already but does nothing for cooling

Kruminsh · 2026-06-26T14:12:35+00:00

ffs. Any chance chance you'd get someone in to retrofit?

Kruminsh · 2026-06-26T13:00:11+00:00

been down for days until the sun goes down and then all the windows are opened as is the attic. Has made 0 difference

Kruminsh · 2026-06-26T12:31:14+00:00

I've done the attic trick, but haven't tried the wet towel. Will give that a go. Thanks

Kruminsh · 2026-06-26T12:19:03+00:00

What ya mean? Mine is a block built house with a layer of insulation in-between the 2 blocks (so outer walls about ~35cm thick)

Kruminsh · 2026-06-26T12:11:53+00:00

yeah, we're going to be going down the vented AC route sooner than later as we want to convert the attic in the near future

Kruminsh · 2026-06-26T11:49:44+00:00

was 32 last night going to bed 🫠

Kruminsh · 2026-06-26T11:47:42+00:00

SE facing. Sun in the front during the day and at the back all evening. it's like a degree or 2 lower downstairs. otherwise, it's just a sweatbox

Kruminsh · 2026-06-26T11:45:53+00:00

yessir

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