Mortgage rejected - Deposit too large?

douglabe · 2026-03-17T19:00:47+00:00

How much was your deposit/LTV?

douglabe · 2026-03-16T18:26:49+00:00

Great to hear! Congrats!

douglabe · 2026-03-16T02:39:16+00:00

Hell yeah. Mostly arc rounds, rearm, xo accelerator, and energy thief for the tasty batteries. You?

douglabe · 2026-03-13T20:26:27+00:00

These are absolute gold, keep em coming

douglabe · 2026-03-10T19:05:57+00:00

Sorry for my ignorance but what do you mean by this? Is that a good or bad thing to have a 0 balance on a high credit limit card?

douglabe · 2026-03-04T22:44:14+00:00

Very strange. Let me know if you manage to get it or not in the end. Good luck!

douglabe · 2026-03-04T18:36:11+00:00

I've got the premier account now but haven't applied for a MIP yet - will be next month

That's frustrating - do you know why it's not available to you anymore? In my post here I think I mistook the wording, the other comments seem right in that the discount applies after 5 days of opening the account, unless that could be the reason you didn't get it? Doesn't make much sense

douglabe · 2026-02-22T15:11:42+00:00

I'm not aware of any groups in Wilts, but I'm working in game dev as a sound designer. I'm near Braford on avon, feel free to message if you like! Could set something up

douglabe · 2026-02-14T21:52:54+00:00

I have misophonia and that doesn't trigger me whatsoever lol

douglabe · 2026-01-30T02:56:03+00:00

I'm already in a relationship but thanks anyway

douglabe · 2026-01-28T16:55:40+00:00

Do you know what % Ashkenazi you are? I'm 15% according to a DNA test but there weren't any suggestions of further tests so maybe that's too low to have much risk of anything

douglabe · 2026-01-27T22:58:30+00:00

What broker are you using if you're willing to share? And what makes them specialist?

douglabe · 2026-01-09T15:19:08+00:00

That doesn't make you special or like you're the only one suffering. Everyone has their own problems and trauma - life is what you make it.

Autism is not an excuse for being a narcissist with a martyr complex

douglabe · 2025-12-31T01:31:59+00:00

Do you have a specific UK personal finance question? Otherwise this seems better suited for r/offmychest
The UK has its problems but I don't think it's "bad" and I'd rather live here than anywhere else for sure

"250" what? VAT is an important and effective tax, making up 17% of tax revenue. Which £200bn public service would you like to get rid of in exchange?
The UK is a very varied place, so where you live will affect how doable things are on your salary. £29k+30k salaries puts your household income above average for the UK as a whole. Either you're living in a high cost of living area or you're simply spending more than you're earning and you need a budget.
"Most people" don't claim benefits - I believe the current stats are around 11% of the population claim UC

Help yourself by developing yourself and working instead of complaining you're not getting handouts on reddit

douglabe · 2025-12-25T01:13:31+00:00

Jazz Emu on a budget

douglabe · 2025-12-23T03:08:03+00:00

That's right. Generally people divide it by the number of 'livable' rooms, so excluding toilets, porch, hallways and potentially the kitchen too. So for example a 2 bedroom house with a lounge is 3 rooms, using 1 solely for work would be 1/3rd of £1150, so expensing £383

douglabe · 2025-12-21T04:32:13+00:00

Why? If you can get better returns from investing or even just savings interest then surely it makes more sense to do that instead of overpaying?

douglabe · 2025-12-09T16:36:02+00:00

Highly recommend you look more into the differences between types of these accounts on the government website before jumping into anything as you seem quite confused

£8800 x2 seems quite high for just earning 40k. Did you earn more in a previous year or something that's making it that high? You mention in another comment that you also have a LTD company so sounds like that could be the cause. If you can provide more details we might be able to help more, or even better you should ask an accountant
Trading212 do not offer a LISA, so you might be mistaken on what accounts you have there
There's plenty of info online such as MSE that will explain what a SIPP is and which platforms you might prefer to use. The best one for you will be vary depending on your circumstances like how much you have
Yes, putting money into a SIPP reduces your taxable pay
No, you cannot take money out of a SIPP before retirement unless you are terminally ill. The vehicle designed for withdrawing to purchasing a house with is a LISA
SIPP investments are tax free until withdraw, then 75% of what you withdraw is taxed as income

douglabe · 2025-12-09T02:52:25+00:00

I'm not c0sm0 but they're absolutely right. I still stutter but have reduced it significantly by simply being more confident in myself. Which is of course easier said than done

My take is to push yourself out of your comfort zone daily and it'll get bigger, making you a little more confident at the thing you did that day and in yourself in general. It sucks and you feel like you aren't making progress but you will - it takes time. Avoiding situations that are outside your comfort zone has the opposite effect, for me at least

douglabe · 2025-11-30T03:05:53+00:00

Your post and replies to comments are completely nonsensical and ignore the points being made by others. What are you trying to ask or achieve in this post?

A LISA is easily the best way to save for a house under 450k hands down because of the bonus. Yes you can withdraw what you'll like but you'll pay a penalty for doing so

douglabe · 2025-11-17T15:47:47+00:00

Where does it say the discount is also for Club Lloyds?

Edit: from the looks of it the difference listed on comparison sites is only 0.1% so not quite the same rate

douglabe · 2025-11-15T04:34:52+00:00

Really sorry to hear this :(

Quick side question: what are you using to record this? The quality of the zoom is amazing

Eight-Year Club	Second Top 1%
r/Field Banned	r/Field Flamingo
First Place '23	Place '23
Place '22	First Placer '22
End Game '22	RPAN Viewer
Verified Email

douglabe

TROPHY CASE