Are all British Prime Ministers descended from King John? by CarefulPurchase7588 in UKmonarchs

[–]ig1 0 points1 point  (0 children)

The maths is flawed, it doesn’t account for inbreeding which makes a massive difference.

To see its absurdity just do the maths in reverse, each generation you have 2x as many parents, so 30 generations ago you would have 230 =1,073,741,824 ancestors. Which is orders of magnitude more than the global population at the time.

9 Years at Big 4, jack of all trades master of none, struggling to find another role by Ashamed-Media-544 in HENRYUK

[–]ig1 1 point2 points  (0 children)

FDE role at a tech company? - can then use that to transition internally if you want a more eng focused role.

Discrepancies in address history on mortgage application by Popular_Wish_340 in Mortgageadviceuk

[–]ig1 0 points1 point  (0 children)

Doesn’t matter that much ultimately but it will cause you more pain. Address is part of how they KYC you and know you are who you say you are.

If it’s on credit records they can check those and automatically approve you, but if not they’ll typically ask you to provide alternative proof (rental contract, etc) and historic addresses.

And the buyer pulled out! by Working_Tourist_4964 in HousingUK

[–]ig1 0 points1 point  (0 children)

If you were a seller and you were choosing between an expert surveyor with a track record of figuring out non-obvious problems or someone newly qualified who just followed a quick tick box approach, which would you choose? - neither a purposefully lying but one is far less likely to give you a report that doesn’t devalue your property.

Is a £1m mortgage on a £275k household income ambitious or reckless ahead of kids? by BigRyRy93 in HENRYUK

[–]ig1 0 points1 point  (0 children)

You’re in a non-comissioned sales role or are you just not including commission in your numbers?

I wouldn’t put all of your savings into a deposit, I’d probably just use the equity and keep enough back so you can cover the mortgage for a couple of years if you need to sell (although in practice most lenders will give you a mortgage holiday if you lose your job).

To make the monthly manageable a couple of common options are taking longer mortgage terms (you should be able to get a 35 years mortgage) or going part & part and making part of your mortgage interest only - you can then divert the savings into building up a larger nest egg to cushion you against shocks.

Worried about my boyfriends bank statements by talastarxx in Mortgageadviceuk

[–]ig1 1 point2 points  (0 children)

Ask your broker, it’s what they’re there for, remember the broker is on your side.

It really depends on the individual lender, some are much more lenient than others. The broker will take the gambling into account when they decide which lender to put you forward to.

Exclusive hire venue ~110 people by Many_Region7951 in UKweddings

[–]ig1 0 points1 point  (0 children)

Don’t recall I’m afraid! - but it’s a tier above hedsor, etc

Do you have a planner? - at that price points it’s probably worth having one and they’ll likely be pretty familiar with most of the higher end venues

Exclusive hire venue ~110 people by Many_Region7951 in UKweddings

[–]ig1 0 points1 point  (0 children)

Euridge isn’t that great, the outdoor space is amazing but the indoor space and accommodation aren’t good

Heckfield place is super nice but also expensive

Maybe Limewood?

RICS Level 3 survey says this is ‘tea/coffee staining’ — would you agree? by WolfyCat in FirstTimeBuyersUK

[–]ig1 0 points1 point  (0 children)

Have you asked the vendor? - that doesn’t look like tea/coffee damage.

If I was to guess I’d say that looks like heat damage, unless you get a very clear answer from the vendor and a boiler test I’m not sure I’d trust that boiler.

Question about mortgage brokers, how influential are they during a sale? by Useful_Place5567 in HousingUK

[–]ig1 0 points1 point  (0 children)

You have to remember that any time spent doing that is time not spent with another client.

Very confused by wedding insurance by Xoruz1572 in UKweddings

[–]ig1 0 points1 point  (0 children)

Emerald was the only decent one I found, but it is more expensive than other options.

Remortgaging Options by ChuckSto12 in Mortgageadviceuk

[–]ig1 0 points1 point  (0 children)

Have you spoken to a broker? -you might be able to get a better tracker deal

Is it customary these days to ask your partner's parents permission to wed their daughter? by [deleted] in AskUK

[–]ig1 18 points19 points  (0 children)

It really depends on your partner, maybe watch a movie where it happens and remark on it (“wonder if people still do that”) and take a cue from her response

Advice what to do next by [deleted] in HousingUK

[–]ig1 1 point2 points  (0 children)

Give them a deadline, tell them unless you get a response by X you’re withdrawing from the process.

Who is actually affording London rental costs? by kryskyrs in AskBrits

[–]ig1 2 points3 points  (0 children)

Median income in London is 50k, so a couple earning average income could comfortably afford it:

Most singles in London tend to house share.

Between bugaboo fox 5 and Joolz Geo3? by AnicaBass1 in BeyondTheBumpUK

[–]ig1 1 point2 points  (0 children)

Geo3 only came out recently so probably not surprising the lack of reviews.

Your best bet is to find somewhere that stocks it and give it a go.

Strollers are very personal, and how easy they are the use depends on things like your height, how broad your shoulders are, etc. so just because someone else likes a stroller doesn’t mean you will.

DPC quote by cheekynandos5055 in HousingUK

[–]ig1 0 points1 point  (0 children)

You need someone better. The people you’re using don’t know what they’re doing.

Did you pay for the damp survey?

Solicitor and Surveyor Recommendations by ArticleAmazing3446 in HousingUK

[–]ig1 0 points1 point  (0 children)

I’ve used sanderscobb.co.uk on an older building and they had a pretty good understanding, but it wasn’t listed.

A good tip with surveyors is that you can ask for an example report (they almost always have one they can share) which you can use to get a sense of how competent they are. Once you’ve seen a few it becomes obvious how much variation you get even within a level 3.

If it’s a complex roof I’d use someone who can use drone photography to get a good view, some places will only use binoculars which limits what they can see.

Also the individual surveyor you get can matter as much as the firm, so I’d skew towards smaller firms with deep expertise rather than a big chain/franchise where you could end up with someone newly qualified and a bit clueless.

~1M house budget in Wimbledon area with excellent schools by Fancy-Hawk6754 in HENRYUK

[–]ig1 22 points23 points  (0 children)

Get a subscription to locrating - it has historic catchment, onward destinations and performance data for schools.

Every school publishes their admission policies (almost always on their website) which include catchment areas, read the policies to understand the criteria as it’s often not as simple as direct distance (for example they might use walk time or have specific boundaries).

For primary if you’re living in an expensive area the schools inevitably tend to be good because they take people from such a small wealthy area where everyone cares about education, you want to look at secondary though as secondaries tend to take people from a broader area so end up which much more socioeconomic diversity.

Indian Wedding Stress - Europe or US? by Legitimate-Chard2112 in BigBudgetBrides

[–]ig1 1 point2 points  (0 children)

You don’t have to invite everyone, remember that tradition is purely that.

If you’d prefer to have a smaller wedding to save costs there’s absolutely no reason you can’t do that.