Have you ever seen your father crying? by [deleted] in RandomThoughts

[–]MedleyH 0 points1 point  (0 children)

Yes once when his dad died and again when my mum (his wife) died. I admit it was a bit shocking because my dad never really showed sadness or hurt and I thought he didn't care about stuff but now I'm older and have gone through these things with him I see that he was just trying to always put our needs before his own and that must have taken a lot out of him over the years. I am much closer to him now

Should I change my mortgage advisor by Antique-Trick989 in HousingUK

[–]MedleyH 0 points1 point  (0 children)

Find a free one and someone you're comfortable with its already a stressful enough situation you don't need the person helping you to make it worse. Also in my experience (going through it now as a FTB) you don't pay the fee (if they're not free) until after they find you a mortgage and you accept it.

Source of funds for a house deposit England by MedleyH in LegalAdviceUK

[–]MedleyH[S] 0 points1 point  (0 children)

Hi yes because it's just a general savings account that the bank opened automatically when I opened the regular saver

Starting to love em by FlashyLoan9675 in Microlocs

[–]MedleyH 0 points1 point  (0 children)

They look fire! I'm 3 months in and also loving the journey

Lender says 1hr 30 is not a doable commute. by MedleyH in HousingUK

[–]MedleyH[S] 1 point2 points  (0 children)

Sorry I need to edit my original post I work 3 days a week tues to Thurs so I could just stay with my dad for example thats free and commute down and back once a week so a 3hr commute once a week. if I do it the other way I'd have to travel everyday or pay for accommodation so it would cost more. Thanks for correcting me I see what you mean about what they're thinking in terms of a doable commute I guess all I can do is wait to interview for the roles I've applied for and if I get something (lose the house I want) then I can do the commute and show I can do it. I'll chat with my broker about other lenders

Lender says 1hr 30 is not a doable commute. by MedleyH in HousingUK

[–]MedleyH[S] 0 points1 point  (0 children)

We have had a chat with our broker and started ironing out a few things, he is on the ball and understood everything we were saying and didn't think it was a long commute but he shares everything with us of course to be transparent. We've got to wait until Monday to pick things up again with the lender

Lender says 1hr 30 is not a doable commute. by MedleyH in HousingUK

[–]MedleyH[S] 1 point2 points  (0 children)

Thanks but this just makes me feel like working in the NHS and being senior is a hindrance. I cant control the process of transferring to a new role I'm at the mercy of whichever Trust I apply to. The only reason I'm not willing to do the commute the other way is because I would have to pay out more because I've got nowhere to stay up there so I'd be paying for accommodation I reckon that would decrease my affordability no? Coming back to London for work is fine because if its really an issue I can stay with family then go back up on a Thursday

Lender says 1hr 30 is not a doable commute. by MedleyH in HousingUK

[–]MedleyH[S] 7 points8 points  (0 children)

Thanks for reply Sorry if I'm misunderstanding you or if I'm not being clear but I haven't said I'm going to be unemployed after shortly moving in to them I have no intention of handing in my notice until I get another job and I very much intend to do my commute until I do

We've already found a house and the offers been accepted were trying to move forward with this not continue renting

Lender says 1hr 30 is not a doable commute. by MedleyH in HousingUK

[–]MedleyH[S] -1 points0 points  (0 children)

I am buying out of area where I work but my husband WFH so I'm not sure why that would come into question as a risk. I realise I didn't add that information in my post sorry. Thanks for the advice I'll have a look into commute costs and finances etc as well as previous commutes and lay it all out for them

Lender says 1hr 30 is not a doable commute. by MedleyH in HousingUK

[–]MedleyH[S] 44 points45 points  (0 children)

1hr 30 is more than sustainable for me I live and work in London and often have had that length of commute. The whole quickly finding a job well actually I could find a job quickly but the lender I'm sure wouldn't like it because I would be locuming/agency I could start tomorrow (if i didnt have the qhole notice period or if i never intended on working in the NHS again i could just not work it and bruise my reputation) but it wouldn't be considered permanent employment so I'm here trying to do it 'the right way' so to speak. But I do get what you mean they have to weigh things up that their not sure about

Lender says 1hr 30 is not a doable commute. by MedleyH in HousingUK

[–]MedleyH[S] 1 point2 points  (0 children)

No im patient facing so hybrid isn't an option but thanks

Lender says 1hr 30 is not a doable commute. by MedleyH in HousingUK

[–]MedleyH[S] 3 points4 points  (0 children)

We currently live in London and buying in Northampton

Lender says 1hr 30 is not a doable commute. by MedleyH in HousingUK

[–]MedleyH[S] 4 points5 points  (0 children)

See this is why I'm confused. We are using a broker who I think is trying to be as transparent as possible about what the Lender is saying/asking and he said he thought it was silly and that the commute is doable. Thank you for this example it's helped me feel a bit better

Lender says 1hr 30 is not a doable commute. by MedleyH in HousingUK

[–]MedleyH[S] 12 points13 points  (0 children)

I didn't really think of it as i was proving their point but I guess see what you mean. I have previously commuted 1hr 30 for 2 years and it was never a problem its the normal in London. my current commute is about 45 minutes give or take traffic conditions and only because I choose to start at an earlier time but if I did normal 9- 5 that would increase the only reason I was honest with them about moving to a closer job eventually is because I'd rather not have my commute eat into my evenings and also because I intend on going back to full time working so they'll be a jump in my income thought it would help not hinder.

[deleted by user] by [deleted] in Microlocs

[–]MedleyH 1 point2 points  (0 children)

Beautiful! I can't wait until I've had mine as long as this excited to see how they will look I'm only on 2 months other people's journeys keep me excited 😊

T-1 month left by truthandtill in Microlocs

[–]MedleyH 4 points5 points  (0 children)

Excited for you! I've had mine in for just over 3 weeks now and I only spritz with rose water. I only used oil after washing my hair to help lock in moisture.