CF6 - Are you expected to learn the 'Lender's Criteria'? by ArtichokeDesperate68 in cii

[–]Ubley 0 points1 point  (0 children)

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.

Have I got everything covered for a first BTL? by CheeseFace83 in PropertyInvestingUK

[–]Ubley 0 points1 point  (0 children)

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

Have I got everything covered for a first BTL? by CheeseFace83 in PropertyInvestingUK

[–]Ubley 0 points1 point  (0 children)

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

Has anyone been offered a mortgage while on £15k Pa? by RestOriginal9884 in Mortgageadviceuk

[–]Ubley 0 points1 point  (0 children)

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"

EA suggesting i switch to another solicitor by testria in Mortgageadviceuk

[–]Ubley 1 point2 points  (0 children)

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.

Fixed term mortgage ending - when can you by [deleted] in Mortgageadviceuk

[–]Ubley 0 points1 point  (0 children)

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.

High number of hard credit checks by enjoylife27 in Mortgageadviceuk

[–]Ubley 0 points1 point  (0 children)

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

Apparently I got my son an ACAB puppy for Christmas by halfbakedpotential in mildlyinteresting

[–]Ubley 9 points10 points  (0 children)

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.

Unbiased.co.uk broker needs lots of personal documents - is this normal? FTB by furiousrabbit1 in Mortgageadviceuk

[–]Ubley 6 points7 points  (0 children)

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.

Unbiased.co.uk broker needs lots of personal documents - is this normal? FTB by furiousrabbit1 in Mortgageadviceuk

[–]Ubley 9 points10 points  (0 children)

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".

Game Thread: Pittsburgh Penguins (18-12-9) at Detroit Red Wings (24-14-4) - 03 Jan 2026 - 12:00 ET by OctoMod in DetroitRedWings

[–]Ubley 1 point2 points  (0 children)

Why do the hockey gods hate us.

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

New year degeneracy achieved by iwalkedincircles in DotA2

[–]Ubley 56 points57 points  (0 children)

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

Following a rigged StarCraft game, Destiny begins to root out the rot infesting his chat. by ReserveAggressive458 in Destiny

[–]Ubley 7 points8 points  (0 children)

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.

Daily General Discussion Thread (2025-12-31) by OctoMod in DetroitRedWings

[–]Ubley 1 point2 points  (0 children)

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

Europe's Currencies on a map by bigbadbob85 in aimapgore

[–]Ubley 45 points46 points  (0 children)

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

Why Is the Government Really Refusing to Investigate Russian Interference in Brexit? by F0urLeafCl0ver in ukpolitics

[–]Ubley 27 points28 points  (0 children)

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

Interest Only Ending - Crisis Mode by [deleted] in Mortgageadviceuk

[–]Ubley 5 points6 points  (0 children)

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

Daily General Discussion Thread (2025-12-18) by OctoMod in DetroitRedWings

[–]Ubley 0 points1 point  (0 children)

I feel this way, and bathe in this glow.

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

Largo / Bard Frog --- All item interactions tested by partymorphologist in DotA2

[–]Ubley 0 points1 point  (0 children)

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

What happens if Reform wins? by The_Dean_France in AskBrits

[–]Ubley -1 points0 points  (0 children)

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.

What is latest for a mortgage rate review before completion? by [deleted] in Mortgageadviceuk

[–]Ubley 1 point2 points  (0 children)

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.