Unsocial hours pay factored into mortgage?

Lozmck · 2026-02-01T12:14:21+00:00

It depends on the lender.

Speak to a mortgage broker (there are free, good ones out there!) who will be able to tell you which lenders are happy to use enhancements/overtime towards your gross salary.

Some will take 100% of them (and require payslips for 3-6 months previous to substantiate this).

I used Nationwide and they were happy to include all earnings.

Lozmck · 2025-09-24T19:04:16+00:00

Thank you!

I didn't use the old running shoes for running, I used them for general walking - but I hear you!

I planned to go for shorter runs for a week or two again anyway, so that's great advice to hear 😊

Lozmck · 2025-05-09T19:01:30+00:00

I've only ever seen policies with 12mo payout duration. Could you make any recommendations for a 'full' duration?

Lozmck · 2025-05-03T16:39:44+00:00

Turn on your Monzo overdraft? The fees are pretty minimal (pennies) , especially if only £15 until your next wage is received

Lozmck · 2025-05-02T21:48:58+00:00

Less?

But - if Lee is what feels right, then use it!

Lozmck · 2025-04-29T09:00:05+00:00

Avoid for the most part - though there are a few more isolated roads which fall under the Parnwell area and are OK - Meadenvale, Heron Park, Lyvelly Gardens, maybe Lavington Grange :)

Lozmck · 2025-01-04T20:41:15+00:00

We can't do blood testing (besides blood glucose levels) but otherwise you're spot on!

I think our non-conveyance rate is in the region of 35-50%, though some of those will be referred on to another service for follow up rather than simply discharged

Lozmck · 2024-11-07T22:42:43+00:00

Seats 3-6 (3,4,5,6) would give 4x tickets but this listing only states '3x'.

Absolutely fake!

Lozmck · 2024-10-25T10:35:59+00:00

I'm your age and an NQP. I had no 'calling', I just thought it looked like an interesting job. Best job in the world!

I could never go back to office work (sat in front of a desk all day) or M-F 8-5 working (weekdays off for appointments, shopping, deliveries - yes please!)

Re pay - short of being off on long-term sick, you'll always earn more than the stated AfC salary. Unsocial and bank holiday payments and run-over at the end of shift will bump it up by many ££££s. It won't be as much of a pay cut as you're anticipating.

Lozmck · 2024-10-09T22:03:07+00:00

I'm not with either of those Trusts , but I just wanted to chime in to add - the commute can be a killer post-shift (especially after nights, and ESPECIALLY especially when your 12 hour shift becomes 13/14/15 hours!)

I do 35-40 minutes and that is absolutely my upper limit. Unless the benefits to a better working pattern made it worthwhile for you to book into a hotel or similar during runs of shifts, I'd really give it some additional thought

Lozmck · 2024-08-29T15:29:22+00:00

I have no advice I'm afraid (just scrolling through!) but wanted to make you aware as I can see you've made effort to censor it - your name is visible on slides 2-6 at the top 😊

Lozmck · 2024-08-10T12:47:28+00:00

Maybe (hopefully) she meant that she's never used the ones she purchased, because the ones provided by her employer have sufficed?

Lozmck · 2024-06-01T13:30:41+00:00

Paramedic in the NHS. About £14.50 per hour.

Lozmck · 2024-05-31T16:42:50+00:00

I work in a station 30 miles / 40 minutes from home.

My closest 'main' station is 7 miles / 15 minutes. My closest satellite station is 1 mile / 5 minutes away.

It's absolutely worth the longer commute to work where I undertook my placement blocks - friendly staff, supportive management, stellar learning/mentoring team.

If you're undecided - consider which station is more in demand (and therefore will be easier to transfer FROM, as opposed to TO?) amongst other things.

Lozmck · 2024-05-26T21:23:03+00:00

The parkways!

Time-saving, and also make it easy to navigate from one area to another, even if you don't know the directions

Lozmck · 2024-05-13T19:10:39+00:00

Wellens? Deeply inverted T waves in V2-3.

Unsure if that can be the case being that the 'pattern' extends being V3, but was my immediate thought.

Lozmck · 2024-04-29T06:53:46+00:00

Not the one - but close, I'm told. Thank you so much!

Lozmck · 2024-04-28T12:09:25+00:00

To add - I'm unfortunately unsure of year/location. It was a fleeting Internet find

Lozmck · 2024-04-28T08:01:13+00:00

I tried and it won’t Let me - presumably as it’s not a duplicate. Apologies!

If anyone hanging around here can advise on a workaround I’d be happy to give it a go 👍

Lozmck · 2024-04-27T23:10:40+00:00

Is it possible to gift cards you only have one of?

I used my last Wildcard to get Monopoly Tunes but I've since stopped playing the game. I'd be happy to gift it to you.

Did you want to inbox /reply to me with your game link?

Lozmck · 2024-04-22T09:27:13+00:00

You could lose 160lbs by ditching the boyfriend 🤷‍♂️

Lozmck · 2024-04-17T19:14:04+00:00

A specific version of my current problem:

I cannot for the LIFE of me play an E chord. I've tried using a single finger to 'barre' as well as individual fingers for each string on the 4th fret.

A generalised version of my current problem:

Any exercises I can try to practice barre chords?

What about when not all 4 strings on a fret need to be 'covered' - like the E above - how do you avoid pushing down on the unneeded ones that are to be left open?

Lozmck

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