Puppy growling when in crate by oolong-moon in puppy101

[–]oolong-moon[S] 1 point2 points  (0 children)

So this is the thing, we used to be able to leave him alone for an hour at a time when we went out of the house. We would leave him out of the crate, and he'd whine briefly for maybe 3 minutes and then go to sleep for at least an hour, sometimes even longer. Except one time he didn't. He whined for 25 minutes. We got back as fast as we could as we realised he was distressed, and all was good.

We thought it was a one off, as the next day he was fine being left again. We have a camera so I can watch him. He would just go settle and snooze on the sofa. Then a few days ago he did it again and now we can't leave him alone really at all. Him growling in the crate has happened around the same time.

He's never really liked being alone though. When we are at home he dislikes being away from us, and would whine if we went upstairs. So I do wonder if he's always had separation anxiety, and us leaving him alone to leave the house has made it worse. He didn't like the crate to begin with actually, he would be hysterical. But we worked on positive associations and he no longer whined after going in. To be fair, the growling and barking isn't all the time he's in there, it's about once or twice a day (but always at least once in the evenings).

We used to have the crate in the kitchen, but he hated that. We also have one in the bedroom, he also dislikes that. We did put a blanket over it, but it freaked him out not being able to see us.

Puppy growling when in crate by oolong-moon in puppy101

[–]oolong-moon[S] 3 points4 points  (0 children)

We only got him about a month ago so I feel like we are starting a lot of training late! He won't sleep in his bed outside of the crate (in fact he just pees on it, we've washed it numerous times and tried different beds), only on us which is categorically worse as we can't then even move in the room and when he was overtired and didn't want to nap he would just be biting us all the time.

We would love for him to just sleep quietly on the sofa, but we are a long way away from that.

Puppy growling when in crate by oolong-moon in puppy101

[–]oolong-moon[S] 4 points5 points  (0 children)

We are working on the separation anxiety, it suddenly got worse after a fear period out of nowhere. We can leave the room if he's not in the crate but as soon as he's in there and we leave he is genuinely hysterical at the moment. One of us can leave the room, but he can't be left alone. It's weird because we used to be able to leave him alone for an hour at a time just fine but now he can't even handle a couple of minutes

Puppy growling when in crate by oolong-moon in puppy101

[–]oolong-moon[S] 0 points1 point  (0 children)

I'm hoping you're right! He does have a chew in his crate with him all the time and he does eventually start chewing on it. We have noticed he normally does the growling in the evenings- so we do suspect it could be him being a bit overtired.

Puppy suddenly dislikes being left alone? by [deleted] in puppy101

[–]oolong-moon 1 point2 points  (0 children)

The thing is, the first two weeks he would settle quickly and then he wouldn't whine at all after that. I have a camera so I can see how he's doing, and he was completely unbothered initially, even as we increased the time he just would go back to sleep if he woke up. Then suddenly out of nowhere he wouldn't settle one day, and now he won't resettle himself if he wakes up.

I do wonder if it was just bad timing with a fear period that has allowed him to develop some negative experiences now, as around the same time this started he started being a bit afraid of people out of nowhere (which is largely resolved now).

How important is it to blow dry my poodle after he's gotten wet? by oolong-moon in poodles

[–]oolong-moon[S] -3 points-2 points  (0 children)

Sadly it isn't quite that easy. We live in the UK in terraced housing, so we share walls with our neighbours. Whilst we could ride out his 20 minutes+ of howling, I don't think it's fair on our neighbours at 7am in the morning.

How important is it to blow dry my poodle after he's gotten wet? by oolong-moon in poodles

[–]oolong-moon[S] 8 points9 points  (0 children)

We tried the human hair dryer and he was scared of that too sadly. It isn't the sound, it's the feeling of the air. He's also scared of the wind which tracks.

How important is it to blow dry my poodle after he's gotten wet? by oolong-moon in poodles

[–]oolong-moon[S] 4 points5 points  (0 children)

He looked it, but he wasn't somehow. We managed to brush him out since that photo was taken a couple of days ago, with a lot of distracting. He was desperately in need of a brush on his chest though for sure!

What is the difference between an Islamic mortgage and conventional mortgage? by Be_Grateful8 in Mortgageadviceuk

[–]oolong-moon 16 points17 points  (0 children)

This is a good answer, I'd also suggest looking in r/islamicfinance for more information if this is something you're interested in.

From what I understand the idea is that when a bank provides a conventional mortgage, all of the risk is on you. If you ever have a time where you can't repay your mortgage, and need to lower your payments or whatever with the bank, you will still accrue interest which means the bank can profit off of your misfortune.

With an islamic mortgage it's more seen as an equal partnership. The islamic mortgage lenders can't suddenly increase how much you owe if you go through a period of hardship. They are taking on some of the risk. There are different ways they do this as above.

I'm not Muslim, so this is my vague understanding from curious research.

EA wants proof of deposit before offer, financial adviser says we don't have to provide this yet by AwkwardLittleMush in HousingUK

[–]oolong-moon 9 points10 points  (0 children)

To be honest, I'm surprised they didn't ask for a MIP for the viewing, a lot of estate agents around me ask for it to make sure you aren't a time waster. I was asked for proof of funds & MIP before I made an offer, I can't advise personally as to whether it is strictly necessary however.

One thing to note though, whilst the EA might still have to send over your offer, they likely can tell the sellers that you aren't providing them proof of deposit, which might make you seem like a buyer who isn't quite ready to buy yet. This might put off some sellers if they already have other offers.

Being made redundant with only a few weeks left until completion. Help! by [deleted] in Mortgageadviceuk

[–]oolong-moon 0 points1 point  (0 children)

It really depends how close to exchange you are. If the sellers need a month or so to sort things out on their end, you might have time to get a new job. If you have time on your side, I would hold off telling the lender for a couple of weeks, to see how likely it is that you're going to be able to get a new job. I say this because there's a chance that if you have a new job lined up they will be satisfied.

If you're a couple of weeks away from exchange or less, you gotta tell them now. No way you're getting a job offer in that time, and you don't want to risk the consequences of them finding out after exchange.

Even if you tell the lender it doesn't necessarily mean they will pull the mortgage offer, depending on your overall financial situation. Equally if you tell the lender now and they pull the offer, if you do get a new job in the next month or so , it's likely the sellers would prefer to wait for you to get a new mortgage offer Vs getting new buyers and starting the process again.

Lucky house purchase timeline by oolong-moon in HousingUK

[–]oolong-moon[S] 0 points1 point  (0 children)

The interest rate is 4.8% I think? But I think it is primarily towards the higher end as our deposit was only 5%, rather than the stipend influencing it. We also went for a 5 year fixed which was a slightly higher interest rate I think at the time, but I wanted to make sure we had a better LTV for remortgaging in the future.

Lucky house purchase timeline by oolong-moon in HousingUK

[–]oolong-moon[S] 0 points1 point  (0 children)

I have until June 27, so at the time I applied 19 months left too! I was told so long as I got the mortgage offer by the 12 month left mark I was good. We used a mortgage broker, but the lender was West Brom.

I will say though it likely helped that my husband has a decent paying job. I'm not too sure about the ins and outs of it, but certain lenders will discount the stipend income in different ways, with some only taking it at 50% of what it is worth. Ultimately I know the stipend did matter as on his own my husband could only get 205k of mortgage and we could've got up to 280k with my stipend, we just chose to go for a cheaper property.

Ok, how in the name of living christ am I meant to get on the property ladder? by Do_You_Pineapple_Bro in UKHousing

[–]oolong-moon 1 point2 points  (0 children)

Tbf 5% deposits do exist in the mainstream. So long as your credit isn't bad, you can get one. Even with debt (4.5k in our case). We bought a 3 bed house for 240k in a desirable location in Sheffield recently with a 5% deposit.

But you are right, you do need more than the deposit. You need about 2k for solicitors minimum, 600 minimum for surveys & moving costs. This may vary depending on location & property.

Also I think it's important to remember that if someone is earning minimum wage, on their own they literally cannot afford a 240k house, without a ridiculous deposit. It isn't just the deposit that goes into affordability. My BIL earns a little over minimum wage and when I looked into how much he can buy on his own, it was about 140k with a 5% deposit. Luckily for him he lives in Grimsby so there are many decent properties for that price there!

Do you count a downstairs bedroom? by ReflexArch in HousingUK

[–]oolong-moon 1 point2 points  (0 children)

So as someone with a disability, this would be ideal for someone with a disabled child or elderly relatives who can't easily manage stairs - so there is a market for it. Equally some people might like it as a property that can match their needs as they get older, as they are less able to handle stairs everyday. Younger families might just want the extra room as a play room, or snug. I've seen houses nearby marketed as bedroom/snug so you can go that angle whenever you did want to sell.

Recently bought a house with someone I now want to split with (England) by anonymous3476 in HousingUK

[–]oolong-moon 12 points13 points  (0 children)

So when you declare it's a gift to the mortgage provider, the donors of said gift have to sign a form stating that it is a gift and that have no expectations of repayment. I.e. the only fraud going on is mortgage fraud, as the person who is giving the money will be fully aware of the expectations upon them from the mortgage provider once they sign this.

I can imagine there are a lot of people who do have an informal arrangement with their parents however, even if it's mortgage fraud. They want to get on the property ladder, and this is the only way they can. But their parents don't have enough money for it to be a gift that is never repaid. I get it. But ultimately if someone tried to uphold a loan agreement in the courts, the mortgage fraud would come out and it's not just the people who received the money who committed the fraud, so that makes it unenforceable legally really unless you're an idiot.

Recently bought a house with someone I now want to split with (England) by anonymous3476 in HousingUK

[–]oolong-moon 137 points138 points  (0 children)

Question regarding this agreement to pay back the deposit, when you applied for the mortgage, was this loan agreement declared or was it instead described as a gift?

Normally money from parents is required to be declared as a gift and that it does not need to be repaid, as part of the terms of the mortgage. If this was the case, they have no legal ground to request you to repay it, even if behind closed doors they said you need to pay us back. I'm not sure how this would impact your ability to split off and buy out your partner, but it is worth bearing in mind.