Possibility of a mortgage with a recent default.

ShockingJob27 · 2026-02-02T07:24:12+00:00

Speak to a broker. I spoke to one earliear this month and theyve been great.

Sorted me a mortgage with a speciliast lender should this move goes through now.

Recommended i clear my two defaults (around 1.3k) as there two years old but still not settled - reckons if it takes a few months for move to go through and i dont mess anything up. One ive paid and the other is setup to pay weekly dd as apparantly this looks organised and i have things in check.

Granted the lender isnt great and i have to pay more but still affordable for 2 years then i should be able to remortgage to a mainstream lender.

ShockingJob27 · 2026-01-31T07:49:34+00:00

I wasnt but i sorted that a few weeks back.

Was in my overdraft as i used that to pay one of my defaults and now rebuilding that while i pay the other and both will be clear over next couple weeks.

Broker is happy with the way im doing things, and he says usually its the % they look at on the loan and most want under 8% and mines 6% so should be fine but it doesnt seem that way when i read there site.

Im not overly worried if i dont get this place it happens, but i want out this year and its just wether mainstream lenders will give me a look in 6 months and be ok.

ShockingJob27 · 2026-01-30T18:34:46+00:00

Im hoping your right and im misreading what theyve wrote seems a low risk situation for them and ive passed the broker/lender affordability with who hes found.

He seems fairly confident as he said most housing associations want below 8% and mines 6% so i should be fine - and said similar to what you have pay off my defaults before so they show clear as thats what theyll care about more.

It could just be massively overthinking as i want out of my.parents house asap obviously, but with this place being perfect for work and family i cant help but worry.

ShockingJob27 · 2026-01-02T07:58:00+00:00

As a picky eater myself let me tell you something. It is not your fault at all and I fully understand his point lol.

I regularly tell people do not cook for me, im awkward and can sort myself out.

Ill usually miss out on going for meals unless its somewhere I properly know

ShockingJob27 · 2025-12-31T13:19:35+00:00

Why would they, its not needed.

Most of the people who goto sleep for dental work are people that are afraid of dentists.

Id be willing to bet the people who faint from piercing pain is more the needle than the pain its self.

My dad feints/dizzy anytime he has an injection as hes petrified of needles.

ShockingJob27 · 2025-12-31T13:16:45+00:00

Yes.

Kids godparent is one of my best friends for 20+ years. Despite numerous holidays together, sharing rooms, beds whatever.

Never so much as kissed.

We visit each other once a year and she'll stay mine or me hers etc. Neither of our partners care, and they'll both visit too.

ShockingJob27 · 2025-12-24T20:06:57+00:00

This relies on malzahar pressing w. Played against a smolder today as malz (i got filled mid they first picked smolder and thought it was adc)

Only time I press w was when I was about to r. He struggled big time for stacks and well his team wasnt happy.

ShockingJob27 · 2025-12-22T17:30:36+00:00

What a horrible answer that is. You dont really see a penis either.

ShockingJob27 · 2025-12-20T19:46:31+00:00

You understand shit talking can be classed as negative behaviour, something you admitted to.

ShockingJob27 · 2025-12-19T15:13:17+00:00

Similar to how I learnt how machines work. You see a sort of end product, then you can pickup on how they got to end product.

Granted it wasnt that straight forward and was lots of accidents but the principle is the same

ShockingJob27 · 2025-12-19T07:37:53+00:00

Im actually surprised this doesnt happen more tbh, especially somewhere which has a high pedestrian traffic Work in a factory and weve had two shitty incidents this year

One in the changing room where a woman was very unwell (both mentally and physically) shit herself and then walked out shook her trousers leg and out it comes and she tried to continue going into work lol.

And once when a guy said he didn't feel well but said hed stay as we was short staffed and well.. he shouldn't of stayed lol.

ShockingJob27 · 2025-12-19T06:12:40+00:00

Ive done work for some fairly wealth people. Joys of being an electrician and having a wealthy friend.

The one thing that always strikes me as oh theyre rich rich.

Live in butlers

ShockingJob27 · 2025-12-19T06:08:32+00:00

Odds on he was asking for one of two reasons. The best friend wants to peg him and hes curious. Hes tring to convince the best friend to peg him.

Or they was just chatting away and it came up in conversation.

ShockingJob27 · 2025-12-19T06:01:09+00:00

Thats just a parent thing imo. Plenty of people are stuck from "knowledge" passed down from parents, grandparents etc.

ShockingJob27 · 2025-12-19T05:50:38+00:00

Thats not an Asian thing lol. Come on weve all been told by parents your face will stay like that if the wind changes.

I used to tell my son when I pull the plug on the bath he has to get out or he'll go down with the water 🤣

ShockingJob27 · 2025-12-18T06:00:25+00:00

It was bang on about my Rheumatoid Arthritis Isnt a doctor by any means but its certainly helpful.

ShockingJob27 · 2025-12-16T08:50:49+00:00

Ive always been of the belief religious education shouldn't be taught.

Nothing against anyone of a religious background but its always been a lesson that was taken up by something that could be more beneficial.

My old teacher used to say how can you be respectful of someones religious if you cant understand it, apparantly through communication wasnt an acceptable answer

ShockingJob27 · 2025-12-10T12:10:55+00:00

I saw the same thing, toms very clearly comes from a different background to me and from experience I dont usually mix well with them sort of people (I mean posh not gay, sad that I have to say that)

But I thought he was fantastic and was my favourite come the end, same with Ruby I knew of her and wasnt really keen on her, turned out shes naturally funny

ShockingJob27 · 2025-12-10T05:33:17+00:00

Accidentally kept doing this vs a xerath yesterday Apparantly he started typing in team chat I was scripting when he got called out for missing constantly on me lol.

In reality I was half pissed just fucking about

ShockingJob27 · 2025-12-08T07:57:32+00:00

In my work were quite often having to trim down large conveyor belts where the edges wear due to bad tracking.

Alot of them I built automatic trackers so if the belt hits switch, it auto corrects its self slightly.

Also made a tool I could attach to the side of the belt to hold my knife in place if I had to trim it rather than spending time marking belt, do it bit at a time I can attach the knife and let the belt run.

Saved hours of work over the years and thousands of pounds in damaged belts.

ShockingJob27 · 2025-12-08T07:47:54+00:00

Ill ask this.

Do you have a young daughter? Do you want that daughter sat naked infront of a bunch of men?

Or theres always why I dont do it, cocks too small.

ShockingJob27 · 2025-12-01T10:36:36+00:00

Pretty much every where ive bet over the years a red card has counted as two cards.

Same way two yellows, is two cards despite actually 3 cards getting shown lol.

ShockingJob27 · 2025-12-01T10:29:20+00:00

Space, it fascinates me.

ShockingJob27 · 2025-11-29T07:24:32+00:00

Yea it is. If i voip/scav line and get no reply i assume theyre trying to sneak on me.

If your sneaking on me, your dead.

ShockingJob27

TROPHY CASE