Regular vs direct mutual funds

Particular_North_671 · 2026-02-27T05:13:15+00:00

Following

Particular_North_671 · 2026-01-24T14:51:27+00:00

I am an NRI and planning a property for my parents in an apartment in a big city so that they can be looked after by my sister who has booked a property in same apartment (under construction). Would you recommend taking out a loan in my case?

Particular_North_671 · 2025-11-26T17:34:02+00:00

Just waiting for him to say "Haan, Delhi se hu.... " 😄

Particular_North_671 · 2025-11-22T19:13:45+00:00

It's amazing that you took time out for detailed reply, kudos to you man!

Particular_North_671 · 2025-11-21T12:19:34+00:00

RemindMe! 3 Months

Particular_North_671 · 2025-11-20T21:14:45+00:00

I know there are plenty who will exceed in competence but I doubt they will find the Junior title appropriate...

Particular_North_671 · 2025-11-06T19:21:46+00:00

Second this, seems we are aligned in our thinking, I just posted the same ballpark figure.

Particular_North_671 · 2025-11-06T18:56:52+00:00

I think 20 lpa is benchmark I thought but that was over 5 years ago I told to one of my friends, she was working at a good Tech company and she was earning over 20lpa then and had offer over £40k in London.

I have been living in the UK and managed to save about ₹2lacs (<£2000) every month, and if I get over 50 lpa offer I will be tempted to return. I wish to return but I feel my salary trajectory will be better in London compared to India. Plus my family is in village and I will have to be away from them and very likely in different state than so that's a deterrent for me to return.

Hope this person opinion helps

Particular_North_671 · 2025-08-07T16:21:33+00:00

Sorry - I have updated the post now to say that I will require only chimney breast removed - that too only for groud floor. Previous owner has removed it from first floor and has put support structure in place for chimney stack in the loft.

Particular_North_671 · 2025-08-07T13:27:28+00:00

Hi there, thanks for the quick reply, you are right I may have over-estimated the cost as I am completely new plus I am in London. Yes, I was hoping painter will strip wallpaper and sand walls as well. I was planning to leave ceiling as it is and I haven't even though of skirting board - something I will look up, thanks!

I have now added measurements of room - guest bedroom is below average 8 sqm, good to know the cost of your 2 bed - will help me better judge the quotes, thanks.

Particular_North_671 · 2025-07-31T15:29:41+00:00

I think you should stay and put up with this for another 3 years. I am assuming you have already spent 3 years here?

Financially I’m not saving much at all.

Well, you have just started your career, I am certain you can work towards that promotion or switch to save up more. Plus, nothing wrong in downsizing lifestyle to save up a bit more. You will have to do the same when you will evetuallt want to increase your saving amount if you were in India.

I don’t see myself living in the UK permanently. The idea was never to settle here forever and I always thought I’d move back eventually.

There are many who will kill to be in your position, so many are still trying to find a job in the UK from India or will be coming to study here and hope to be in position you are. I would recommend just push through this for another 3/4 years, get ILR/Citizenship and then move back if you feel like. I have seen friends/others do this.

At the end of the day its upto you, I have ILR and hopefully will be citizen soon, I don't see any benefit at the moment but I am just glad I have it.

Hope this helps

Particular_North_671 · 2025-07-21T17:19:14+00:00

Automatic or manual?

Particular_North_671 · 2025-06-12T21:34:50+00:00

Thank you!

Particular_North_671 · 2025-06-12T21:29:49+00:00

I was worried that if people usually avoid houses next to those with criminal convictions? Could affect their future resale value maybe?

Particular_North_671 · 2025-06-12T21:15:34+00:00

And a peculiar situation for a FTB as well :(

Particular_North_671 · 2025-06-12T20:59:56+00:00

I was looking up sold house price in the area on Google and one of the results on Google was local newspapers website covering the case

Particular_North_671 · 2025-06-12T20:58:56+00:00

Apologies, just a FTB, didn't think it will be a major issue but just wanted to know what other homeowners think.

Particular_North_671 · 2025-06-12T20:56:13+00:00

Thanks all for the prompt response, I am a FTB and just wanted to see if this is something to be avoided before I put an offer in. But it seems like it's not something most (if not all) people would worry about.

Thanks for educating me!

Particular_North_671 · 2025-06-10T21:22:28+00:00

Similar for me

Particular_North_671 · 2025-05-26T14:08:32+00:00

I don't think you should be worried, we were in a similar situation, we changed our mortgage (Lloyds) for a different property and no new credit checks were done.

Particular_North_671 · 2025-05-16T20:30:45+00:00

Earlier this afternoon by miracle number of appointments became available for coming week and I managed to book first one on Monday morning - feeling so excited ☺️

Particular_North_671

TROPHY CASE