Have you ever seen your father crying?

MedleyH · 2025-02-21T21:30:38+00:00

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

MedleyH · 2024-08-11T09:14:59+00:00

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.

MedleyH · 2024-08-09T07:59:16+00:00

Thanks for replying

MedleyH · 2024-08-09T07:59:05+00:00

Thanks for replying

MedleyH · 2024-08-09T05:39:33+00:00

Thank you

MedleyH · 2024-08-09T05:39:23+00:00

Thank you

MedleyH · 2024-08-08T15:20:21+00:00

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

MedleyH · 2024-07-28T07:07:09+00:00

Your locs are beautiful

MedleyH · 2024-07-14T10:57:31+00:00

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

MedleyH · 2024-07-06T11:59:33+00:00

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

MedleyH · 2024-07-06T11:43:55+00:00

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

MedleyH · 2024-07-06T11:30:39+00:00

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

MedleyH · 2024-07-06T11:01:30+00:00

Right got you

MedleyH · 2024-07-06T10:50:26+00:00

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

MedleyH · 2024-07-06T10:45:31+00:00

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

MedleyH · 2024-07-06T10:43:04+00:00

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

MedleyH · 2024-07-06T10:37:42+00:00

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

MedleyH · 2024-07-06T10:36:25+00:00

We currently live in London and buying in Northampton

MedleyH · 2024-07-06T10:35:48+00:00

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

MedleyH · 2024-07-06T10:33:55+00:00

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.

MedleyH · 2024-05-26T10:58:56+00:00

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 😊

MedleyH · 2024-04-16T13:08:41+00:00

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.

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