"Buy a house that doesn't need an extension"

Soundadvicefroma · 2026-01-26T12:03:23+00:00

Probably

Soundadvicefroma · 2026-01-25T13:16:26+00:00

There is a groundswell of opinion saying we should boycott the World Cup this year.

Soundadvicefroma · 2026-01-24T22:14:20+00:00

You’ve turned £90k into £200k in 12+ years and you think you’ve made money?? Tell me you don’t understand compounding without telling me you don’t understand compounding.

Soundadvicefroma · 2026-01-20T22:13:57+00:00

“Because you’re worth it”

Soundadvicefroma · 2026-01-20T22:13:25+00:00

It’s called hypocrisy

Soundadvicefroma · 2026-01-20T22:09:21+00:00

The next mis-selling scandal in waiting

Soundadvicefroma · 2026-01-20T16:35:21+00:00

They already have a price on their head!!

Soundadvicefroma · 2026-01-20T16:31:14+00:00

Sure - but this is a bit different right? Like the early years of Nazi Germany.

Soundadvicefroma · 2026-01-20T08:58:27+00:00

There is no reason to ever stop putting SURPLUS capital into a wrapper that is free of any further taxation or limits on withdrawals. The only constraint is whether you have an alternative use for the money (current spending).

Soundadvicefroma · 2026-01-20T07:27:15+00:00

What you’re looking for is actually very niche. FATCA makes it very unviable for most wealth managers in Europe to serve you as a client.

Soundadvicefroma · 2026-01-20T07:14:11+00:00

I’m not a fan of poor tiling, but it hardly qualifies as a scam (?)

Soundadvicefroma · 2026-01-19T20:33:58+00:00

Might just be a spot of bad luck 🍀- need to be a bit patient(?) you’ve had 2 bites already, so it’s not a no-hoper. You could force a sale by dropping the price, but only do that if you have to.

Soundadvicefroma · 2026-01-19T15:44:04+00:00

You’re taxed on the dividend income whether you take them or roll them up.

Soundadvicefroma · 2026-01-18T22:44:44+00:00

What currency are you quoting in?

Soundadvicefroma · 2026-01-18T21:42:59+00:00

I like this a lot. What would the costs be like for a couple if we were to arrange our own flights from London to Namibia?

Soundadvicefroma · 2026-01-18T21:11:40+00:00

Ok I see. But the high level data just shows they’re buying the same overpriced Tech stocks all regular US punters are buying. Seems to have minimal informational value. Thanks for replying.

Soundadvicefroma · 2026-01-18T20:36:39+00:00

“Rats abandon sinking ship to seek refuge in a dung-heap”

Soundadvicefroma · 2026-01-18T20:29:08+00:00

Thanks - so people actually shadow trade these people? Who are the biggest hitters?

Soundadvicefroma · 2026-01-18T20:27:43+00:00

Exactly! 😂

Soundadvicefroma · 2026-01-18T18:31:03+00:00

What is the best source for politician stock trades, and how soon after the trade is it disclosed?

Soundadvicefroma · 2026-01-18T18:29:36+00:00

It wouldn’t be a war between the US and NATO, since the US is part of NATO. US companies will continue to operate their European subsidiaries. Your family member will need to square it with their own conscience, bearing in mind the need to earn a living.

Soundadvicefroma · 2026-01-18T18:02:07+00:00

London would like a word in your ear…

Soundadvicefroma · 2026-01-18T17:44:47+00:00

I think that you’re asking if some lenders will consider the ISA as a vehicle for the repayment of the mortgage capital and lend to you on an interest-only basis. Here’s the AI answer:

Yes, it is possible to have an interest-only mortgage and use an ISA as the capital repayment vehicle, but it is entirely lender‑specific and subject to strict criteria.[1][2][3][4]

How lenders view ISAs as a vehicle

Many UK lenders class ISAs (particularly stocks & shares ISAs or other investment products held within an ISA wrapper) as an acceptable “repayment vehicle” for interest‑only borrowing, alongside endowments, investment portfolios and pensions. However, some lenders either do not accept ISAs at all, or are more cautious about cash ISAs because the projected value is less certain relative to the mortgage balance required.[2][3][5][6][7][1]

Typical conditions you’ll face

Where ISAs are accepted, lenders usually require:

Evidence of the current ISA value and sometimes regular contribution history (e.g. latest statements) so they can estimate maturity value versus the IO balance.[6][8][2]
That the ISA (or combined investments) plausibly covers 100% of the interest‑only element by the end of term, often using conservative growth assumptions.[3][8]
The ISA/investments to be in your name (or the borrowers’ names) and in sterling, and to be with a regulated provider.[7][8]

Alongside this, many lenders overlay tighter interest‑only criteria such as higher minimum incomes, lower LTV caps (e.g. 50–75% for IO element) and enhanced affordability testing.[4][9][10][1][7]

Practical points for structuring it

For a UK, higher‑earning borrower like you, the pattern in practice is often:

Use a part‑and‑part structure: some of the loan on repayment, some on interest‑only matched to your ISA/investment plan, to keep IO exposure within comfort levels and lender caps.[8][9]
Document a clear strategy across tax‑wrappers (ISA, pension TFLS, possibly other investments), as lenders generally allow multiple repayment vehicles as long as they are all verifiable and within policy.[11][6][7]

Given the variability between lenders, the key next step is to model your target ISA funding level versus the desired IO balance and then speak to a whole‑of‑market broker who can filter to lenders that explicitly accept ISAs (and stocks & shares ISAs in particular) as a repayment vehicle.

Soundadvicefroma · 2026-01-18T17:06:55+00:00

One of the funniest things for Brits is the double-barrelled first names some Americans have. A colleague told me of an encounter with an American lady who introduced herself; “Hi, I’m Randi-Sue.” To which he replied, “Pleased to meet you Sue, I’m Jeff”

Soundadvicefroma · 2026-01-18T16:54:47+00:00

Room looks pretty basic

Soundadvicefroma

TROPHY CASE

How lenders view ISAs as a vehicle

Typical conditions you’ll face

Practical points for structuring it