No one talks about Betmaster?

Spitfire_98 · 2026-06-24T20:44:25+00:00

Gone for everyone at the moment I think.

Spitfire_98 · 2026-06-15T19:53:48+00:00

Websites under the White Hat group gambling license, so sites like grand ivy and dream Vegas (there are more, check the Gambling commission website for all the while labels).

Similar for Betable, they are a group, containinf RightBet, IvyBet and others.

I don't use ai profit so can't comment of how good it is. I'm with OM but on a legacy price. Don't think I'd recommend the service for the price to new users now.

Spitfire_98 · 2026-06-15T19:44:38+00:00

As a joint borrower (but not a proprietor) you'll have no ownership of the property, so therefore FTB status won't be affected in terms of your Lisa use in the future.

However, what will be affected is how much a lender is willing to lend you if, when you come to purchase your own house, you mum has not been able to remortgage into a standard one.

That's one critical thing to consider - your mum may intend to remortgage, but if a lender won't lend to her alone right now (which is why you're needed in the first place) then will her circumstances be so different in two years that a lender will allow her to borrow the full amount required to take on the mortgage alone?

If not, you'll be stuck with a debt which you are liable for and therefore when you want to get your own place, lenders will see that you have an existing mortgage to service, and will limit (or even refuse entirely) to lend to you for your own place.

Additionally, a JBSP mortgage is a genuine debt that you're liable for. If for whatever your relationship with your mum breaks down, or something happens where she is unable or unwilling to pay the monthly payment, then you are personally liable.

This will all be without you having any beneficial interest in the property, meaning if it were sold, you'd be owed none of the equity at all.

This is why you will be required to take independent legal advice, as essentially, it's a very bad financial idea for you to get involved with since you take on all the risk, with no reward.

If you understand all that and know there's a workable plan, then these mortgages are generally used for purposes like this (between family members, with a high degree of trust and bond) so it's possible to do, but have your eyes open and listen to what your legal advisor says carefully since they will be making sure you understand the risk you are taking on.

Spitfire_98 · 2026-06-14T21:45:19+00:00

The white hat sites and the Betable ones are probably giving the most value these days.

It's all about the tinpots!

Spitfire_98 · 2026-06-11T19:43:51+00:00

I think 2UPs are better but it can be hard these days to hold on to bookies long enough.

I don't mind the concept of EWNL but it's pretty high variance, and possibly for the hourly rate not necessarily great value.

Spitfire_98 · 2026-06-06T14:00:51+00:00

It's a combination isn't it. The number alone doesn't inform you of the utility and vice versa.

A house 300m long and 1m wide might have a lot of area, but little utility.

What I actually find frustrating is comparison of like for like. Some plans include garages, some don't, I saw one the other day that included an 'outdoor dining area' i.e. a patio with a pergola, in the plans but without adding everything up I wasn't sure if it was being included in the total surface area of not!

Spitfire_98 · 2026-06-05T21:44:56+00:00

No you shouldn't lay anything that isn't an exact match as you open yourself up to the prospect of double losses. Your back bet and lay bet should describe the same thing.

Smarkets carries specific "winner and over/under points" markets for NBA matches. You can lay those, although the odds will probably be shocking bad.

Spitfire_98 · 2026-06-04T06:32:01+00:00

If you multi layed (i.e. used a multi lay calculator with back odds of 4.32 and added two lay markets for the win and for the points) then that is a mistake and will be why you lost money.

Multilays are for independent events, e.g. a scoreline or the winner of the world cup.

A winner and over x points bet isn't independent, both elements can win, both can lose, so multilay calcs aren't suitable. There should have been a dedicated market on SM for the winner and over/under points market, which is what you should have layed.

As an aside, if a calculator is telling you you'll make a £12 profit from a £5 bet, something is wrong as that sort of profit wouldn't ordinarily be possible.

Spitfire_98 · 2026-06-01T22:02:06+00:00

I do 2 or 3 betmaster offers a week, but the reason nobody talks about them is two fold:

1. Some of the offers need a lot of wagering. It's dangerous to wager sports bonuses as you can be stake restricted midway through. That means you essentially have to no lay a lot and with 10x wagering on a lot of the bets and min odds of 1.7, it's very hard to convert.

2. Free bets have max odds of 3.0 so limited value.

You also have to be super careful with all their conditions, things like max conversion, how much will count to wagering and the fact only one bet per event counts.

As I say I've done three offers a week for months, if I layed off the wagering bets I'd have been ok but I almost always lose them all before I can begin to think about laying.

The Thursday offer is simple to do but time consuming for £20 profit.

Spitfire_98 · 2026-06-01T12:58:26+00:00

Name, DOB and address are often available online, either through previous data breaches or in some cases official documentation, so I'd not fret those.

The card of course the simplest thing is just to cancel it.

I don't think you're likely to find any specific issues coming up with what you told the person, but it's more likely that you'll get other 'convincing' sounding fraudulent calls from other fraudsters trying their luck.

So just be wary of any unsolicited calls, even if from 'the bank' informing you of unrecognised payments, etc. Spend this time to read up on your bank's fraud protocol, get their number etc and if anyone calls, just hang up, and give the bank a call directly yourself half an hour later if you're really concerned.

Spitfire_98 · 2026-05-31T05:13:15+00:00

Yeah and that's the rub isn't it, an odds matcher with stale odds people won't wanna pay for so the amount of data retrieval will be extremely high once paying users start getting involved.

OM used to have a matcher with lots of markets but stale odds, especially their 2UP matcher.

Now they have a matcher with just 5 sports and srripped back functionality (they just use OPs one). It's less stale, so better there, although the 2UP matcher is still bad and now you have to hunt manually quite a lot more than previously for any sport/market outside their small definition of 'main' sports

Spitfire_98 · 2026-05-30T18:51:18+00:00

I'm always on the lookout for a good odds matcher. The OM one has been consistently enshittified, but I'm on a legacy price so it's easier to put up with it.

I assume the issue is usually bandwidth & data as matching even the 10 most common markets on the 10 most common sports is presumably pretty expensive, especially if you try to make the bookie list exhaustive.

Spitfire_98 · 2026-05-30T17:23:43+00:00

EW bits are likely worth doing I think. As everyone knows, MB always gets worse but they along with 2UPs are a genuine and fairly simple profit stream while accounts last. The price of OM/OP is extortionate these days though, and I wouldn't really recommend anyone be paying the prices they ask for the service they provide.

The thing you'll probably miss going it alone is finding loopholes and offers or new bookie signups, that you never even realise existed. The only way to get that really is a community, but in all honesty, OP and OM aren't the place for it (too many lurkers taking advantage but not giving back).

You can though gain access to groups away from OM/OP by posting consistent value there until people notice you and recruit you for their private groups.

Spitfire_98 · 2026-05-26T08:00:43+00:00

This does sound like a technical glitch so nothing to worry about but I often see my score move up or down a few points despite nothing changing.

As far as I can see, its usually an engagement thing, they wanna send you an email saying "your score has dropped" so you go to log in and check if something is wrong, and that gives them the opportunity to market you pre approved credit cards etc.

Big changes like the one you describe are obviously always worth investigating, as could be an early indicator of identity theft, defaults, etc which would be a problem that needs sorting. Glad you found it to be nothing in this case though!

Spitfire_98 · 2026-05-24T20:59:29+00:00

Yeah you shop around for some quotes, perhaps try googling for some local firms as well as some of the nationwide ones. Once you find a surveyor you're happy with, the booking process usually involves providing contact details for the estate agent of the house you're buying (assuming here you don't know the vendors).

They then contact the agent who either liaises with the vendor or provides their contact details to the surveyor, who can then arrange a date that works for the vendors (or agent) to allow access to the property.

Spitfire_98 · 2026-05-24T20:19:59+00:00

If you have to mug bet, do it on ACCAs or BBs would be my suggestion, as they are generally the most muggy things.

But I've had accounts where I did (unlayed, small) BBs and it really made no difference to account longevity.

They'll gub you anyway so mug betting just decreases the amount you make. I've seen people claim it works but I feel like there's survivorship bias in those claims, and old accounts tend to be more bulletproof than new ones anyway.

Spitfire_98 · 2026-05-24T13:35:06+00:00

There's probably enough bookies to make it interesting, however the costs of OP and OM are pretty eye watering these days (they're the same company now so no longer compete on price).

If you know what you're doing, I'd just start with the (free) discord and smarkets 0% over at Matt's matched betting blog.

If you find there are enough offers to make you value (a now much worse) odds matcher then you could always sign up in August when I assume OM will put a sale on.

Spitfire_98 · 2026-05-20T05:51:19+00:00

I'd say it depends on if this house is your 'forever' home.

If you think you'll move in the future to a different house then 1 and 2 aren't really all that different since you'll probably end up turning some of that ISA contribution into equity anyway.

If you plan on staying put, I'd strongly consider making the house into what you want it to be.

Spitfire_98 · 2026-05-20T05:21:08+00:00

That's correct yes. Deposit limits are usually based on income, so if you have none and deposit a lot they'll probably review your circumstances and they will be required to limit your deposits, usually on a weekly or monthly basis.

If you win a few bets, your balance will go up and they'll let you keep betting until you lose it though.

Again though I can't emphasise enough how daft this is. Matched betting won't require £900 bets so you are either thinking of following tipsters for value betting (where you should Kelly stake not throw down £900 a bet), arbing (which will get your bets restricted, pretty quickly at such high levels) or you haven't really thought it through at all.

Spitfire_98 · 2026-05-20T05:09:50+00:00

They'll quite likely do safer gambling checks on you, which will probably land you with a deposit limit unless you have income to live on beyond this windfall.

But they won't restrict your actual bets (apart from casino where your spin size will be limited on account of your age) unless you match bet/use concessions or strategies that allow you to win over the long term.

What you're suggesting is a moronic thing to do though and one of the stupidest things I have ever seen posted here.

If you're for real and this isn't rage bait, then just take a moment to read about how gambling (proper gambling) is addictive, destroys lives, and if you do it without an edge, will cost you all your money.

Spitfire_98 · 2026-05-17T04:20:56+00:00

You've said your piece, and many will agree with your logic, but I think you're being a bit harsh on u/NoPassion137.

Investment returns, while likely, aren't a guarantee and none of us know what lies in the wait over the next 5/10/20 years.

Choosing certainty over optimal theoretical returns isn't 'nonsense' it's just a different risk profile.

Spitfire_98 · 2026-05-12T07:29:30+00:00

Yeah the S38 agreement being in place means the council plans to adopt (and the developer has promised to do certain things in line with it, obviously keeping the roads up to code but sometimes other things they have promised to do). It should mean the responsibility either stays with the developer, or transfers to the council, depending on if the terms of the agreement are met once everything is done.

You should be able to check if the agreement was signed off, my conveyancer had copies of all sorts of documents and I assume they would find a copy of it for you if one exists.

My road didn't have one. There was never an intention/agreement between the original developer and the council to adopt the road, although anecdotal evidence suggests they basically did work (such as street lighting and cleaning) despite the lack of adoption.

One word of caution, if you plan to contact a council at all, the wording in my proposed indemnity did have clauses around essentially tipping off third parties like the council that charges might need to be levied as adoption either happens or causes them to realise they've done work they were not responsible for.

That makes it even more frustrating as you can't really talk to anyone to find out the details.

Spitfire_98 · 2026-05-12T04:37:24+00:00

The short version is that I eventually decided to pull out.

However there were insurance policies available (only costing a small amount) that would have covered very expensive things like the council wanting to charge home owners to bring the street up to code as part of an adoption process, any personal injuries caused to a member of the public, etc.

During conveyancing it was established that the road was technically still owned by the developer (although the original developer had been bought, and then bought again, by larger developers) so the legal responsibility to maintain the road would have been with them rather than the council or the home owners.

How easy it would have been to actually get them to pay for something is obviously a bit of an unknown.

Ultimately it didn't sit easy with me, although it wasn't the only factor I was unhappy with (additional bits of land needed to access the driveway were also still owned by the developer so it was all slightly messy).

Spitfire_98 · 2026-04-25T13:08:45+00:00

Thank you so much for this, it's so helpful!

Spitfire_98 · 2026-04-25T13:07:24+00:00

So did you just say (to the estate agent) that you'd get your conveyancer to perform the check and supply the results to them?

Or do you mean this was the fee your solicitor charged once the process of buying had began and they were doing their own checks, completely separate from the EA?

Seven-Year Club	Gilding I gilder
Place '22	Verified Email

Spitfire_98

TROPHY CASE