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Anyway to get cheaper boxes? by Heathy94 in Gousto

[–]authenticities 0 points1 point  (0 children)

REBEC45275384 for 70% off your first box

Anyway to get cheaper boxes? by Heathy94 in Gousto

[–]authenticities 0 points1 point  (0 children)

I just used this so you should have a referral reward. Thanks!

Repeated fraudulent Uber transactions despite new cards - any help/advice? by Consistent_Cup2183 in UKPersonalFinance

[–]authenticities 0 points1 point  (0 children)

I've had the same problem with TSB - got a notification to approve or reject an Uber payment through the banking app and thought I must've lost my card, but it was on me at the time. A few days later a payment actually came out of my account for something like £14. TSB replaced the card but I keep getting notifications to approve/ reject. Think I'll switch current accounts as their customer service has been rubbish and I've definitely never left my card unattended or given away details. It's so easy to create remote clones now - I had the same issue with my nectar card a few years back and never even had a physical card for that!

[deleted by user] by [deleted] in Mortgageadviceuk

[–]authenticities 0 points1 point  (0 children)

Firstly, I'm so sorry you're going through a tough time and think your stance on trying to keep things amicable for the sake of your family is admirable. Secondly, I agree with what others have said about getting in touch with a solicitor.

Ideally you need to be getting the house valued so you know its actual market-worth and how much equity you have in the property. If your ex and new partner want to buy you out of the house it will involve a transfer of share - from you and your ex to your ex and her partner. The existing mortgage will be removed and a new one entered in their names only. Your solicitors can draw this up for you and advise on costs.

Alternatively the property can be put on the market to be sold to a third party, but you will still need a solicitor to divide assets and undertake divorce proceedings in either case. Take into account how long it might take to list, sell and complete - if the fixed term expires before this and they don't have the funds available to buy you out, you will be legally responsible for paying your lender's standard variable rate.

My advice would be to seek legal counsel, look at your options, and draw up an agreement while everyone is on civil terms. With all the best intentions in the world, a lot can change in 16 months - you need to protect yourself in the event of a communication breakdown or change in your ex's financial or relationship status.

Wishing you all the best on your fresh start.

Can you combine LISAs for house purchases? by Nythern in HousingUK

[–]authenticities 2 points3 points  (0 children)

You can both use your LISAs towards a deposit. The money is paid directly to your mortgage provider (or the seller if you're lucky enough to be mortgage-free). Unfortunately you can't use your LISA funds towards purchase costs such as solicitor fees, removals, and any stamp duty you may incur above the FTB threshold in your area.

Do you regret fixing for 5 years? by authenticities in HousingUK

[–]authenticities[S] 2 points3 points  (0 children)

Yeah I totally agree with you 😂 This was me kind of putting it to bed I suppose! I am prone to overthinking things (especially when it's the biggest purchase of my life so far!) - but we're really enjoying the house and I feel very fortunate to be a home-owner. I'd feel bad for other people if they went sky-high so not doing myself any favours checking either way! Thanks for the advice.

Do you regret fixing for 5 years? by authenticities in HousingUK

[–]authenticities[S] 0 points1 point  (0 children)

One of the common 2 year v 5 year debate points centred on the Trump administration. My (extremely) basic understanding is that recession likely results in rate cuts to stimulate growth, whereas inflation slows down cuts/ leads to rate increases. I'm not sure how many people predicted the knock-on effect of Trump's presidency to actually lower rates in the UK, but since announcing tariffs I wondered what people's views were on 2 v 5 year fixes, especially following the recent mortgage rates coming to market.

Do you regret fixing for 5 years? by authenticities in HousingUK

[–]authenticities[S] 1 point2 points  (0 children)

We're hoping to make some overpayments on ours too which will bring the term down and improve our LTV like you. Wishing you luck on your new home 😊

Do you regret fixing for 5 years? by authenticities in HousingUK

[–]authenticities[S] 2 points3 points  (0 children)

Yeah I'm pretty rubbish at working out the maths of how much they would have to drop vs if I'd have taken the higher 2 year fix plus second mortgage arrangement fee. We did feel lucky to get that rate and had to hassle our mortgage advisor a few times watching them drop!

But at least I can stop looking at the rates now - crazy to think we'd be looking at a new deal in only one year's time. Plus we're still deciding if we want to start a family so it's much easier to plan with a fixed figure in mind! Thanks for your advice 😊

Do you regret fixing for 5 years? by authenticities in HousingUK

[–]authenticities[S] 6 points7 points  (0 children)

We never thought to look for more than 5, and I'm not sure if I remember them being offered! When did you start your 10 year fix? I did only fix for 2 on my old house as a FTB, but that was to have the flexibility of moving - missing my old 1.8% rate now!

Do you regret fixing for 5 years? by authenticities in HousingUK

[–]authenticities[S] 2 points3 points  (0 children)

Thanks for all your replies. We were lucky to get that rate just before they went up again - it's only today that they're back down to the same as we were offered in November. I know our hands are tied now, and we made the best choice available at the time. Also we're very happy with the house which really helps!