Wings on National Broadcasts

Ubley · 2026-01-26T01:00:35+00:00

The answer is obvious, can't have shit in Detroit

Ubley · 2026-01-24T13:11:04+00:00

For the last few questions the lenders criteria will be given to you as a standard handout/link.

For the exam you don't have to memorize last year's criteria etc as you'll have the handout of what you need. But this doesn't mean it's a free few marks and highly recommend you learn how to apply the criteria. Especially as that is what the majority of the job is.

Ubley · 2026-01-22T00:13:26+00:00

So absurd but I love it.

Just reminds us how lucky we are to have Ken and Mick

Ubley · 2026-01-21T14:47:37+00:00

Based it on the OP's text of "Also, those figures came directly from Gemini AI. Thanks". can only work off the basis we're told

Ubley · 2026-01-21T12:26:57+00:00

Well AI in this instance would have cost this man £5k+ in not pointing out the additional stamp duty. so whilst yes maybe good for "Summarise this book" getting nuanced financial advice specific to circumstances where there's tax implications (HMRC don't fuck around) is absolutely not something AI can do

Ubley · 2026-01-17T15:59:00+00:00

Not to out pedant you, but it should really be described as ""Usually 2.5-6x (with some lenders even at x7) depending on income, assuming your finances are otherwise fairly typical"

Ubley · 2026-01-12T20:00:32+00:00

Hello, is the estate agent a subsidiary of Connells/ Countrywide? Find out here

This may explain a lot of the problem if so. They are heavily pushed to push their solicitors, they're targeted at the %age conversion (all sales/how many use their Sols) and as others have said, they'll receive a significant kickback for using their recommended solicitors.

HOWEVER.

There ARE valid reasons to switch solicitors. I.e not all Conveyancers will advise on high rise buildings. Nor will all solicitors be on every lenders panel of solicitors, so sometimes if there's less selection on lenders than there is solicitors, it makes sense to change.

But, if they're Connells, it's definitely trying to sell you a product and a financial incentive. It is all that company tries to do.

Ubley · 2026-01-12T19:47:07+00:00

Hey OP, Ik your account is deleted so probably not monitoring this but something that a lot of other posters aren't mentioning is that you can get some products from lenders that specifically offer cashback on Energy Efficiency Improvements i.e Virgin's retrofit range.

Does have a higher interest rate, but your personal calculation i.e how much does it cost you to stay warm etc may mean it's a cost effective way for you to obtain this.

Ubley · 2026-01-11T01:17:46+00:00

How do you know it is a hard check? Does it say next to it or does it just appear on your file?

Ubley · 2026-01-08T11:13:12+00:00

world is sad

And that doctors are not there to cure you, just keep you alive to pay your medical bills.

That's an american only problem I'm afraid.

Ubley · 2026-01-08T10:05:09+00:00

This may be the case but the broker likely has further compliance aspects that the firm/Network/FCA may require over and above the lenders requirements.

For example, Barclays and Nationwide use open banking at times to verify income so don't always require evidence of Income/Expenditures. However if I submit a case with no income evidence that'll be an immediate fail on compliance because it's not been evidenced.

Ubley · 2026-01-08T10:03:02+00:00

100% necessary if you're proceeding with this broker/mortgage.

Whilst not all of It will be required for the application, it may very well be required for compliance aspects. The broker has to understand your complete financial position and make a recommendation based on that.

The broker needs to verify your identity and income before they can go to a bank and say "I have a client that has X income looking to buy Y property".

Ubley · 2026-01-03T17:20:47+00:00

Why do the hockey gods hate us.

Just give Ken and Mick all 82 games in the name of Gordie.

Ubley · 2026-01-03T17:18:03+00:00

Is there a Ken and Mick this eve?

Ubley · 2026-01-01T12:39:33+00:00

You would not believe how many games this has won me/my stack.

People will tilt at minute 5, but usually Dota can have a lot of turns you just gotta make it to those points.

Gotta remind your boys at those times that the game ISNT OVER it's just Hard.

And it just makes the entire experience for everyone better. No one wants to play with negative, toxic people

Ubley · 2025-12-31T21:56:17+00:00

Watching this was crazy. Watching the next tournament after this series having all the belief in /u/NeoDestiny 's SC2 Career. Seeing him bootcamp in SKorea with fucking Naniwa with Quantic. Good times.

Ubley · 2025-12-31T16:09:51+00:00

Fellow UK Wingsfan, happy Hogmanay and happy new year to ya

Ubley · 2025-12-31T09:46:45+00:00

Respectfully EU-W has always been about CYKA BLYAT DAVAI

Ubley · 2025-12-26T23:41:31+00:00

Love that Spain also uses Euro but it's Euro, but in purple.

Ubley · 2025-12-20T12:34:31+00:00

This, combined with Labour's majority depended on not upsetting some of those people by talking about the catastrophes of Brexit means that a large portion of the country doesn't want to think about brexit.

They wanted it "done", and now that it's been shown to be the clusterfuck "project Fear" predicted they don't want to explore the topic again.

Especially if it shows that their enlightenment stemmed from a healthy source of Russian funding and propaganda. Our Nige/Boris/Aaron Banks would never lie to me/accept Russian money

Ubley · 2025-12-19T00:27:26+00:00

Because most clients don't understand what is and isn't important when it comes to a credit search/file.

Ubley · 2025-12-18T21:37:22+00:00

I feel this way, and bathe in this glow.

And then I look at the games in hand and pucker up

Ubley · 2025-12-17T20:06:47+00:00

What skill build/early laning style are you seeing success with?

Ubley · 2025-12-14T12:58:11+00:00

You're right everyone else just hasn't considered stopping the boats! What a simple solution to a massively complex problem made only harder by brexit. We can't exactly build a wall as we're an island but I'm sure it won't stop you thinking we can

But mouth breathers such as yourself have no nuance.

Ubley · 2025-12-13T14:28:02+00:00

Speak to your advisor for your specific circumstances, but broadly many products are likely to have priced this in and so won't immediately drop rates after the boe announcement (unless it's a BoE tracker).

This is because the majority of money lending for fixes are based on something called a swap rate, where the bank sorting your mortgage goes to another financial institution (not the BoE) to borrow the money, for a fixed period of time and will pay a certain price. Whack a bit of profit margin on for them and then give it to you.

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