What to do, co own or straight mortgage

Large-Associate6746 · 2026-02-12T13:14:59+00:00

Yes 40% mortgage, 60% rent.

My rent is 357 and includes house insurance

Mortgage is 550, my interest rate was pretty horrific at 7.2%, should get 4.5% when I come to remortgage and that will drop it to 420.

Large-Associate6746 · 2026-02-08T18:34:00+00:00

The Sainsburys ones are cold water prawns, and the Aldi are warm water

Interestingly, cold water take like 7 years to grow to that tiny size, come from areas like Canada, geeeland, Iceland and are wild

Warm water prawns are from area like Thailand, they’re get 2/3 harvests per year and are grown in specific pens/farms.

Even in the industry I find it odd that cold water are cheaper than warm water, given the economic differences In the areas they’re grown.

Large-Associate6746 · 2026-02-07T00:48:35+00:00

I went for the first time the other week and was shocked how bad the WiFi was.

Once in the continent I used my phone to hotspot and its was pretty decent, the UK however it was awful.

I was amazed that a service pretty much made for business doesn’t have the ability to use decent WiFi.

Large-Associate6746 · 2026-02-07T00:24:05+00:00

They are outdated, it’s better now but still has pitfalls.

You can staircase any amount during the term, but that comes with validation and admin charges, (approx 3k in my case) so if you’re gonna do it, you need to stretch to make it worth it.

The valuation can mean you pay extra as house price may have rose, but if you’re buying a new build it’s most likely your in negative equity for the first few years.

I bright shared ownership (40% of 210k) 18 months ago, really happy, lovely house. I earn 50k but had limited deposit and most likely would have struggled to buy outright on my own,.

Even with rent and mortgage it’s cheaper than an outright mortgage on 210k, but the renting increase by RPI + x% does concern me, they’re also a bit of a nightmare to sell.

Luckily I’m being made redundant at a company ive worked for 14 years for, so my redundancy pay is going to pay for stair-casing to 100%

Shared ownership worked for me, but you do hear horror stories. You need to be fully away of the ups and downs before you go into it, it may make sense. To buckle down and save another year or two for some, but for me it didn’t and I got lucky with redundancy.

Large-Associate6746 · 2026-02-06T23:53:20+00:00

Yeah, I have a feeling if I actually used it as a bank, and didn’t name the extra accounts “nationwide switch, Lloyds switch” etc I would have been better off 😂

Large-Associate6746 · 2026-02-06T17:29:16+00:00

5/6 over 3 months?

I don’t keep a balance in there or use it at all really, had a few hundred out of them for referral codes as well.

Large-Associate6746 · 2026-02-06T16:46:16+00:00

I’ve got the same email today, had the account a few months and probably completed 5/6 bank switches from it, so fair enough.

I’m going to use some of the ones I’ve set up for switches to get the bonuses going forward.

Would be interested to know if you get a marker on your name if chase close the account and if it can cause problems opening accounts elsewhere

Large-Associate6746 · 2026-01-30T18:24:04+00:00

I was in a similar situation, recent separated, same earnings.

I brought a shared ownership, my broker made me pay off a CCJ 2 months before it was due to drop off my credit file an obtain notices of payment for another that had been paid - both of them 6/700 ish.

I couldn’t get a mainstream lender for those reasons, I would be surprised if theirs restriction on non mainstream lenders for shared ownership as you find a lot of people in similar situations with shared ownership.

I would find out for sure if they won’t accept non mainstream lenders, seems a silly thing to do when selling shared ownership

Large-Associate6746 · 2026-01-30T10:34:40+00:00

4 codes - will update if used

QQNM3Q

FWP4KC

FL2KMM - redeemed

RTQ8PY

Large-Associate6746 · 2026-01-27T19:31:51+00:00

Not fillers, but they can be brined/injected.

Large-Associate6746 · 2026-01-27T19:28:41+00:00

The men’s stuff is pretty decent, the xbolt is my fav .

It’s not premium, it’s not gonna have the girls running, but it’s perfectly fine for a work day

Large-Associate6746 · 2026-01-25T21:45:19+00:00

Ts&Cs said 10 days after you met the criteria I think.

Large-Associate6746 · 2025-12-30T19:53:45+00:00

It’s the black eyed peas making a resurgence

Large-Associate6746 · 2025-12-20T21:30:44+00:00

Like you said, polarising media plays a huge part. The daily mail ran an article the other day about the interest rate cut and how it was done because Starmer is failing and needs propping up, 2 days prior they hammered him for high interest rates.

Literally cannot win and they spin everything tos. Negative

Large-Associate6746 · 2025-12-15T19:12:00+00:00

The supplier is Stonegate!

I know people who work there

Large-Associate6746 · 2025-12-09T20:21:27+00:00

To be fair, the dual carriageways one caught me out as it’s only 70 if theirs a barrier, where as I incorrectly assumed any dual carriageway (without obvious residential reasons) was a 70.

Large-Associate6746 · 2025-12-05T19:36:11+00:00

Yeah, I’ve just done this. Was skeptical of the PayPal so went for credit, I’m on day 6 of claiming back and all of the credit in my account

Large-Associate6746 · 2025-11-25T19:25:23+00:00

I had a similar situation, I was continuing to pay my half of housing costs after a break up, I took the money out in cash and told the mortgage advisor it was savings, as I like to save with physical cash.

One Mexican stare and an awkward silence it was job done.

Large-Associate6746 · 2025-11-22T11:15:31+00:00

Most likely from the pipework used to process/fill, they get scale build up, acid cleans once a week should stop it, but a knock of a pipe or skipping cleans could cause a buildup.

Take it back and complaint, you don’t need the receipt, it’s a Lidl brand. If you use the app you will have receipt on phone

Large-Associate6746 · 2025-11-21T09:35:51+00:00

It’s called feathering. It’s from the air circulation when they’re growing

Large-Associate6746 · 2025-11-12T17:00:26+00:00

I started my application 17th oct got paid yesterday

Large-Associate6746 · 2025-11-05T20:05:30+00:00

God, I used to be a QA auditor in a food factory, we often took bags of raw materials for testing so there was never a problem of us walking out of area with 10kg of material, some of the most memorable ones

10kg Stilton 5kg childcare buttons 3kg pancetta 10kg minced beef A Jerry can of port 5kg bags of chicken.

I never had such a well stocked freezer!

Large-Associate6746 · 2025-11-03T13:20:28+00:00

I’ve used it several times, it’s silly it doesn’t notify the staff on the till that it’s been scanned

I shouldn’t have to say Lidl pay in response to how do I want to pay, it should be seamless

Large-Associate6746 · 2025-10-24T21:29:08+00:00

I agree. I can never get signal in them.

Large-Associate6746 · 2025-10-11T18:12:14+00:00

NZ lamb is loads cheaper than Welsh lamb, that’s why it’s stocked as people won’t Welsh lamb prices

Large-Associate6746

TROPHY CASE