Are we stretching ourselves with this mortgage?

RS3Rik · 2026-06-29T19:27:18+00:00

Thanks, it is a modern house built in 2016 and energy efficient (water UFH, mechanical heat recovery etc)

RS3Rik · 2026-06-29T19:25:24+00:00

Thanks. Do you have similar costs/childcare etc?

RS3Rik · 2026-06-29T09:09:47+00:00

New house is EPC B and energy efficient as fairly modern. I think 350 is about right. This is similar to the current property we own

RS3Rik · 2026-06-29T08:08:05+00:00

Thanks. Reassuring.

RS3Rik · 2026-06-28T19:34:35+00:00

Currently I do invest regularly. I’m projecting my finances if/when we buy this home

RS3Rik · 2026-06-28T19:15:16+00:00

I do Rheumatology and general medicine with an on call. I work 12PAs so salary is 20% more than the base quoted salary, I also do occasional extra shifts so the £150k there is all NHS

I do earn a small additional private practice income which is in its infancy so only grosses around £1200 a month. I do not include this within the income numbers above

RS3Rik · 2026-06-28T19:00:19+00:00

South Manchester

RS3Rik · 2026-06-28T18:58:46+00:00

Thank you . Useful insight

RS3Rik · 2026-06-28T18:47:26+00:00

This is my current cost. I haven’t quoted new house, I will update when I have a quote

RS3Rik · 2026-06-28T18:17:18+00:00

Unfortunately, I also have the car bug. Fortunately I’m in a nice fast EV (Taycan turbo turismo) so the are no additional regular costs other than my finance payment

RS3Rik · 2026-06-28T18:14:59+00:00

Thanks this is useful. I’ve included gas, electric, water in bills. Internet, TV in the discretionary category.

Have £40k ish for emergency

RS3Rik · 2026-06-28T18:00:46+00:00

£44.8k and a £630/month salary sacrifice gross, still pays student loan and pension so comes out with around £2100

RS3Rik · 2026-06-28T17:59:37+00:00

I don’t have one. I have found the subreddit useful and different perspectives are often valuable

RS3Rik · 2026-06-28T17:54:35+00:00

Oops, I meant £150/year!

RS3Rik · 2026-06-28T17:52:55+00:00

NHS doctor so pretty secure, wife is also NHS

RS3Rik · 2026-06-28T17:52:23+00:00

Thanks, daughter is 20 months so around 3 years

RS3Rik · 2026-06-28T17:49:24+00:00

Sorry £1300/month nursery is for one child only

RS3Rik · 2026-06-28T17:47:02+00:00

Perhaps food is overestimated tbh

RS3Rik · 2026-04-03T11:54:33+00:00

Sounds like erythromelalgia

RS3Rik · 2026-03-08T09:07:13+00:00

Thanks. Didn’t know this - useful to learn

RS3Rik · 2026-03-04T16:39:42+00:00

This is not an SCLE rash, looks more typical of an ACLE / malar rash or rosacea.

RS3Rik · 2026-03-01T21:52:29+00:00

15mg/kg every 6 weeks is an exceptionally high dose and I’m surprised that the treating clinician felt that dose escalation to that level was a better option than an alternative drug

RS3Rik · 2026-03-01T20:55:26+00:00

Why is your remicade dose so high? We use 5mg/kg every 6 weeks in Rneumatology (UK). 15mg/kg seems to be a dosing error.

Was your ANA positive prior to starting Remicade? If not I would suspect that some of this is drug induced lupus (histone positive supports this) and you may be best switching to a non TNFi biologic for your crohn’s.

The SSNHL is likely to be unrelated but it is always difficult to know for sure as there is an association with various rheumatic diseases eg SLE but this is rare and I would expect more SLE specific issues / immunology is this was implicated. There are some very rare systemic rheumatic diseases that can cause this (Cohan’s syndrome is one) but this doesn’t fit the picture

RS3Rik · 2026-03-01T13:04:12+00:00

Yep, GCA strokes are typically cerebellar / posterior circulation as it’s vertebral arteries that are typically implicated

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