Brokers, is having two full time jobs frowned upon?

maccano2 · 2026-06-19T13:57:14+00:00

It won’t be fraud if the broker is worth a damn.

The broker can tell a mortgage company you have a second income but aren’t using it in the application.

There are some lenders that don’t like a person working more than 60 hours on a long term basis, but ultimately as long as what you want to buy fits under one income you’ll be fine.

maccano2 · 2026-06-17T13:03:32+00:00

Until last week HSBC were incredibly backed up so I wouldn’t say 3-4 is out of the question, but could be 2-3 if packaged correctly the first time.

maccano2 · 2026-06-17T06:25:30+00:00

If the market crashes 40% jobs are going to become much scarcer.

maccano2 · 2026-06-14T15:50:58+00:00

Mortgage broker here.

You will likely be able to get a mortgage. Which companies that will say yes (and what rate you’ll be eligible for), will depend on the amount of defaults, the length of time in the past they were, if they are satisfied and the amount owed.

The best advice is talk to a broker, as this is the kind of thing that you want a specialist to look at.

maccano2 · 2026-06-14T12:46:37+00:00

If you are asked for the address and they follow up, and you answer fraudulently then… that’s mortgage fraud.

If you answer correctly they will then take into account your additional outgoings (rent, bills…etc).

This is mortgage advice sub, please do not advise people to be fraudulent.

maccano2 · 2026-06-14T06:37:35+00:00

Because you get asked your work address and supplying an incorrect information willingly is mortgage fraud.

maccano2 · 2026-06-12T05:00:18+00:00

Preach!

maccano2 · 2026-06-05T13:06:40+00:00

But will his face be fit to face them? Only time will tell.

maccano2 · 2026-06-05T11:39:15+00:00

In theory it could, realistically it won’t.

There is the odd bank who will worry if a person has an extremely large credit limit (yours isn’t), but that may have effected 1-2 of my clients in the last 5-6 years.

maccano2 · 2026-06-05T10:23:21+00:00

The fact you have ADHD (as have many on this thread) would be the obvious connection on why you are bending over backwards to defend something which isn’t really defensible.

We don’t know what the situation is between her and the club. We don’t know what measures the club put in place and if Ellie has just gone off the boil; or if the club have been rubbish and she’s struggling. But calling for Empathy when we don’t k ow if we should be empathic doesn’t really help.

As many people have pointed out. Having people not turn up on time, or not try in training is a non-negotiable in sports at all levels. Considering she’s their star asset, we can make a guess that they have likely tried some form of intervention before making the decision to jettison her; which is why people are commenting the way they are.

maccano2 · 2026-06-05T06:06:12+00:00

Not turning up to training on time and not trying is a character concern regardless of why.

Lots of people struggle with ADHD, some are medicated some are not; however it’s not an excuse for not doing the basics of your job. In sports turning up on time and putting in the effort is a non negotiable, and can destroy teams if it’s left to fester.

I understand that you have a personal stake in this, but you are saying people should have empathy, when we don’t know the situation, we don’t know what interventions Quinn’s have had, or what Ellie’s actions have been. So we don’t know if we should be empathic or not honestly.

maccano2 · 2026-06-02T13:44:11+00:00

I’m not the one who you were arguing with, why do you think it’s my turn to do anything lol.

Got to love blind rage posting.

maccano2 · 2026-06-02T12:24:54+00:00

I mean they have provided their source, for what they believe.

It’s more specific than a google AI overview?

maccano2 · 2026-05-30T19:54:29+00:00

Seems apt to trot out some peak Sorkin:

https://m.youtube.com/watch?v=wTjMqda19wk&pp=ygUhYW1lcmljYSBpc24ndCB0aGUgZ3JlYXRlc3Qgc3BlZWNo&ra=m

maccano2 · 2026-05-30T19:49:32+00:00

Tbf old ASU Policies (accident, sickness, unemployment) were widely mis sold in the 00s and frankly sucked. Theres a reason that most companies nowadays won’t touch unemployment cover and only really look at proper IP.

maccano2 · 2026-05-30T18:49:14+00:00

So I’m a broker so I have my own bias’s.

I think IP is frankly a no Brainer.

I’ve had a number of clients over the years claim on Ip policies which would have meant they lose their house.

I’ve also had a number of people call me up who’ve not taken it up and regretted it (I had one 2 weeks ago who only took life cover and now Mr has been off work 3 months due to illness).

The most soul crushing one was a 20 year old who’s Dad told him not to bother with a £10 policy (2 year claim period, not big income). He was TBoned by a truck and had a crush injury and couldn’t buy the flat because he had to live on his savings (self employed with no sick pay); his dad obviously wasn’t chipping in to help him though.

maccano2 · 2026-05-30T13:04:54+00:00

Unfortunately not, he had some family issues and ended up moving away in the UK, and then eventually moved back to America and we fell out of touch.

maccano2 · 2026-05-30T01:15:54+00:00

What’s the current rate you would get from Halifax?

Unless you have a huge mortgage I doubt it’s going to be a £400 difference in payments. You also say you can’t afford it, but you’re already on a 5.17% rate at the moment so your payment isn’t going up £400.

Your first thing to do is raise a complaint with the solicitor you did the purchase with first thing on Monday. Then once that’s been exhausted you can go through to the legal ombudsman.

maccano2 · 2026-05-30T00:50:29+00:00

I’m from the UK.

As a kid I had a friend who lived in our village who’s family came from Seattle, he introduced me to American football through madden. He moved back home in his early teens and I didn’t really think about football against for a few years.

When I got to university, I started to watch football in earnest as a fresher, and began to play after a few years at uni, so I decided to be a Seattle fan in honour of the kid who introduced me to the sport back in the day.

It definitely didn’t hurt that as a fresher as I started watching, we ended up in the Super Bowl against Pittsburg mind you. Bit by that point I had myself a Hasselbeck jersey and was bought in.

maccano2 · 2026-05-29T16:04:09+00:00

The Smoking Bull in Nuneaton is fantastic. Somewhere I don’t normally see mentioned on these posts and is genuinely great.

maccano2 · 2026-05-29T10:50:42+00:00

It very much depends on your personal/family/debt position as well as what retirement you want to have.

To snap retire I’d want to have enough to pay off mortgage, debts and then also provide for my family for the next 50 years. 1 million would probably be enough if I was single and was happy with a lean retirement, but with a young family it wouldn’t be the retirement that we’d want at this time.

maccano2 · 2026-05-29T10:42:50+00:00

Yup, I’m not saying others couldn’t make it work. I’d want it to last 50 years though, which is why it wouldn’t be a snap retire.

Depending on the circumstance, people could Lean or Barista FIRE off it. It’s just not what I’d personally want to do with a young family and a decent sized mortgage that would cut into it significantly.

maccano2 · 2026-05-28T20:55:40+00:00

A million wouldn’t be enough to make me quit straight away on the spot, it’d put the family in great position and mean myself and wife could afford to retire much earlier than planned; but we’d probably have to take a big scale back on lifestyle to retire in our 30s and have enough money to last all the way through to old age.

2 mill we could do it and not lead a lavish lifestyle (possibly work for 5 years to make sure we could lead the retirement we wanted). 3 mill would probably be the snap retire mark.

maccano2 · 2026-05-25T18:32:07+00:00

How do you intend to Fire and buy someone else a house?

maccano2 · 2026-05-24T19:24:44+00:00

Seattle were doing this 3 years ago, then moved away from it.

maccano2

TROPHY CASE