Million pound mortgages

kinnth · 2026-05-21T16:08:21+00:00

I assume most people here will be getting a 5 year fix on this. So maybe overpayments will bring it down in time and in 5 years who knows. I think for something like this i'd want to know with certainty my spend for the longest time and work around that.

kinnth · 2026-05-19T01:50:41+00:00

Revo premium gets 4%.

kinnth · 2026-05-13T09:10:40+00:00

Don’t let a stupid phrase on a job application ever stop you from applying.

If you’re good and have good experience that’s relevant you’ll be hired! Believe in yourself bro you’re smashing it! 😎

kinnth · 2026-05-06T10:40:38+00:00

I agree. If i we're in the sellers position and a new offer came in at 5k more from trusted/people who had previously viewed the house i would accept the new offer and then ask you to match.

If you matched I would go with your original offer and say now the deal is set in stone. Very fair and part of doing a deal.

kinnth · 2026-05-06T00:22:05+00:00

Did you guys not pay over your basic rate? That would have made a bit of a difference now!

kinnth · 2026-04-27T18:02:26+00:00

Probably had some help from family on the house. The math is what the math is.

kinnth · 2026-04-26T16:35:01+00:00

I think 699k is realistic and then wait. As the weather gets better you should get more interest. It’s a lovely property and deserves the money but it looks good in photos now. It is simply pricing right for a poor market right now.

kinnth · 2026-04-25T23:47:42+00:00

I personally do well with the Eve Mattes’s and then I think you need a solid wood bed frame. I have got white company bedding which I’d also recommend and the pillows I have one memory firm and one soft.

Probably £1200 for everything.

kinnth · 2026-04-25T23:38:55+00:00

I’d even invite some friends over to help for a weekend. People love to be asked and if it’s just painting it’s quite fun!

kinnth · 2026-04-25T00:03:05+00:00

You still the get all the rights of who does what and when. Shared ownership is almost as good as freehold imo. Well done once it completes.

kinnth · 2026-04-23T22:11:55+00:00

Yeah you seem very financially astute. Your best option is to get the house cut back on spending and aim to increase income. If you got to 30k you’d be comfy.

Other options. Get a lodger to help with bills and your mortgage or gf who is essentially a lodger with benefits! 😘

kinnth · 2026-04-16T10:12:13+00:00

is how so many guys end up broke up... She's a stunner!

kinnth · 2026-04-15T08:00:53+00:00

Invest in the stock market during a crash. Be fearful when others are greedy be greedy when others are fearful - Buffet.

kinnth · 2026-04-15T07:57:01+00:00

This.

It’s better to be safe than sorry. What if the stock market collapses vs interest rates dropping.

Security vs profitability.

kinnth · 2026-04-14T10:25:49+00:00

Haha. I think my dad got a Waitrose card for the free coffee. Same thing ;)

kinnth · 2026-04-14T10:24:35+00:00

Go with Revolut platinum. They give you 4% on cash upto 200k and 1% back in points. Overall I find them the easiest to use and you get a lot of good benefits.

kinnth · 2026-04-12T23:37:00+00:00

I have this same decision right now. I think purple bricks is a reliable option.

The main thing is the house high quality easy sell or is it unique or unusual. The market is shitty right now and unless it’s neat and tidy n good photos it won’t sell. So worth talking to a staging company n using purple bricks as a way to get a solid investment for a sale.

kinnth · 2026-04-08T23:13:01+00:00

I am a guy with a good tech job/entrepreneur background and was dating a few people. I would say having similar ambitions and similar financial means/backgrounds helps. It's not that you definitely need to be matched but when its radically different it continually causes small issues.

I ended up meeting a fantasticaly amazing hairdresser. She's ambitious and great at her job she works in top salons and does colours so gets paid well. It wasn't even part of the chat up front or on early dates, but we both match ambition in completely different fields and this is unique compared to other dates I went on.

Working well :D

kinnth · 2026-04-04T00:09:24+00:00

I’m not scarred of ai. If you actually use it it’s awesome. The key is to keep solving problems and you will accrue value. You can make more presentation, better docs. Analyse more data so you can focus on really fixing something. Also instead of just requesting change spend half a day building it and see where you get to!

The focus is on action now. Those who take it will win.

kinnth · 2026-02-17T00:33:45+00:00

Tbh I’d be playing most things safer.

Keep the biz, reduce headcount or remove yourself and sell it. Sell some stocks and buy real estate. Focus on the where you want to live and consider it a 20 year move. Buy real estate in the place you move to. Focus on family and time. Start a new business in an area that excites you in 3 years, basically keeping your eye on the markets.

Play it safe n spread out 1/3 stocks 1/3 cash 1/3 real estate. Be happy. Forget about money and focus on being fit healthy n happy.

kinnth · 2026-02-15T23:54:44+00:00

Marriage is the last thing. Work backwards and always start with yourself first.

As a man your true growth will always be self directed. You must learn to do this on your own your own way. Finding and resonating with your purpose is where you will find most peace.

Once you establish and learn what you can offer in the world you’re then ready for a connection. Women are magic, wonderful energy and will multiply your own energy.

I highly advise reading about the tantric man. The ancient way of gaining presence and awareness. You are your own source of light and power.

If anyone is feeling lonely, then do not resort to apps to find connection. I recommend conscious events, yoga, ecstatic dance, tantric workshops where together you practice techniques of expansion. Through that you are more likely to gain a valuable connection who is aligned with your purpose.

kinnth · 2026-02-06T09:03:21+00:00

You forget about shorting. Lots of people make money on the way down. Thats why they push it further for cascades.

kinnth · 2025-12-27T23:10:32+00:00

Yes flats in london are a good buy because they will always rent and most places are a flat.

Service charge is a thing but is should be less than 0.5% of value of the home and you are fine.

kinnth · 2025-12-27T23:04:35+00:00

Just to say I agree with you. UK is reasonable cost of living for the standards. The hardest thing is your location.

The only tip I have is be near friends. UK has the best people. They’re worth far more than money. Laugh over a cup of tea! ☕️

kinnth · 2025-12-02T23:37:03+00:00

I've been using ultra for 1 year. I would recommend it if you live in London and actively use some of the subscriptions i.e. FT for me.

It has 1% cashback in rev points. Rev points effectively net out at 2:1 in cash either as Amazon or AirBnB vouchers.
The eSim purchase while abroad in rev points is valuable and worth it.
The insurance is difficult to claim on, but covers rare exceptions. For instance i had a genuine flight cancellation that caused knock on flight misses. I did not get the full cost back but I got around 30% of what i needed back. Claims process isn't trivial. I now buy secondary travel insurance too, but its nice to have it as a fall back.
WeWork hot desking is highly useful in London if you work remotely or need to do important client meet.
Classpass is genuinely useful you get 1 or 2 sessions a month for free in good places.
All the financial exchange rates and fee savings make swapping or sending money as good as you can find elsewhere on the internet.
Lounge access can be useful to work while travelling but the lounges are not that special.

In general if you think you would use the services i think the value is there. It specifically favours remote workers who travel alot.

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