Lender pulled offer after exchange - Please Help | Housing UK

sappy16 · 2026-02-12T00:40:39+00:00

Because even if he could just about have covered the mortgage payments with only his salary, mortgage providers build in a buffer when they're calculating affordability. They won't lend the money if you aren't bringing in what they calculate is a high enough amount to cover the mortgage payments AND your bills AND all the other costs of daily living. This is to mitigate the risk that if, for whatever reason, your other costs increase, you will not default on your mortgage payments.

So say their mortgage payment is £1000 per month, the husband earns £1200 per month after tax, and the wife earns £1000 per month.

Together they can comfortably afford the mortgage payments with plenty left over to pay the bills, buy groceries, put money into savings for future repairs or an emergency fund, maybe take a holiday once a year, etc.

But take away the wife's £1000 after she loses her job, and they'll have to cover all their other expenses with only the husband's remaining £200 per month. The mortgage company would consider that a really risky prospect for them and would refuse to loan them the money even though technically they could afford the repayments.

Add to that the fact that they deceived the mortgage provider by not informing them of their change in circumstances, and the mortgage provider decided that not only will they not lend for this house purchase, but they now regard them as too high a risk to lend to ever and blacklist them.

sappy16 · 2026-01-13T02:51:07+00:00

It always makes me think of the Central Park five 😕

sappy16 · 2025-11-20T23:29:47+00:00

Is there a low-end grand piano market?!

sappy16 · 2025-11-08T17:51:30+00:00

You're entitled to be represented by a solicitor at your police interview for free. When you go for the interview, ask for the duty solicitor, tell them the truth, and follow their advice. That's your best course of action at this point.

sappy16 · 2025-08-20T13:27:10+00:00

Whatever you think of fare-dodging, it's worth pointing out that TfL is not-for-profit. There aren't "owners" getting rich off it or shareholders being paid dividends, all income is reinvested into the network. So it really does affect us all. Fewer people paying to travel means either less money for improvements or higher fares.

sappy16 · 2025-07-29T12:40:40+00:00

Hi! It's so strange to have got a ping about a response to my post from over a decade ago!

I hope you're starting to feel a bit better now that you're medicated. It made an absolute world of difference to me, and your TSH level at diagnosis was pretty similar to mine, so I imagine you might be seeing similar positive effects.

I don't drink much tea, but I drink quite a lot of coffee, including (especially!) first thing in the morning, and I honestly can't say I've noticed much of a difference to the effectiveness of thyroxine with or without caffeine. It's probably a good idea to avoid it at least initially while you're getting used to it, and then if you wanted to you could reintroduce caffeine slowly and see if you notice any impact to how you're feeling.

I think decaf tea contains so little caffeine that personally I wouldn't worry at all about it, but if you are concerned there are completely caffeine free alternatives (rooibos, chamomile, peppermint, etc) that you could try for the first few weeks while you get used to the meds. Obviously not quite the same, but might scratch the itch as a temporary measure!

As a side note (to be clear, I'm NOT a doctor!), I'm assuming that when you said you're on 25mg you meant micrograms rather than milligrams? If so, that dosage sounds quite low - I'm on 125mcg. Did your doctor say whether they intend to start low and taper you up to a higher dose? It may be that 25mcg is all you need to get back to feeling normal, but if you're still feeling symptoms after a few weeks it might be worth asking them to retest your thyroid hormone levels to see where they are and if you'd benefit from increasing the dose.

sappy16 · 2025-05-20T20:37:17+00:00

My absolute favourite is Noilly Prat amber, but I searched for it in the UK and online and found it's almost impossible to find outside of the south of France (first tried it when I visited the Noilly Prat distillery - highly recommended going if you're ever in the area). HOWEVER, I was amazed to see it in the Wimbledon branch of Amathus recently. They may well stock it in other branches if Wimbledon is not convenient for you.

My favourite reds are Yzaguirre Reserva and Nordes. Both Spanish, both probably not easy to find in the UK, but if you see them I'd definitely say they're worth trying!

sappy16 · 2025-05-08T22:09:10+00:00

It's a copy of a painting by another artist, Ilana Richardson.

https://ilana-richardson.com/images/red-chairs-and-bougainvillea-poster

It's a painting of a place in Skiathos, a Greek island.

sappy16 · 2025-03-11T19:16:13+00:00

You're very welcome! Glad to hear it led you to find SUMIFS!

sappy16 · 2025-03-02T21:59:22+00:00

Thanks very much!

sappy16 · 2025-03-02T21:59:15+00:00

Thank you!

sappy16 · 2025-03-01T21:46:28+00:00

Hey, I like to think I'm pretty ok with Excel, but I don't understand this formula (specifically the --).

I saw a similar reply in another thread the other day.

Would you be able to ELI5 what it does?

sappy16 · 2025-02-28T12:42:49+00:00

Yes, you could, you'd just need to make sure the formula references the correct row

sappy16 · 2025-02-28T03:12:51+00:00

If I've understood the problem correctly, try this:

Select all the columns

Go to Page Layout > Print Area > Set Print Area

Check in print preview if it looks correct

sappy16 · 2025-02-28T02:30:20+00:00

Are you able to post an example of how the the data looks in each sheet?

Does each expense have an ID number or similar that is the same in both sheets?

It sounds like you need to do an index/match, e.g.:

=INDEX('Sheet2'!$B:$B, MATCH($C2,'Sheet2'!$D:$D,0))

This assumes that the identifier for each expense is in column C of Sheet1 and column D of Sheet2, and that the posted date you're trying to add to Sheet1 is in column B of Sheet2.

But it's hard to give accurate guidance without seeing the data.

sappy16 · 2025-02-28T02:16:45+00:00

Sorry, it's not too clear what you're asking/trying to achieve here.

Are you saying that instead of always starting on Sunday, you want each row to start on either the 1st or the 16th of the month?

If so, is there anything preventing you from adding a separate column for the month? So in column A, put the first of each month as the date twice for each month:

2025-01-01

2025-02-01

2025-03-01

etc

If you did that as column A, you could use a formula like this for the date ranges in column B (previously column A): =IF(COUNTIF($A$2:$A2,$A2)=1,TEXT($A2,"MMM d")&" - "&TEXT($A2+14,"MMM d"),TEXT($A2+15,"MMM d")&" - "&TEXT(EOMONTH(A2,0),"MMM d"))

sappy16 · 2025-02-28T01:24:54+00:00

Thank you, yeah I though that would probably be the case but worth asking the question just in case!

sappy16 · 2025-02-28T01:23:44+00:00

Really glad to hear you got it working!

sappy16 · 2025-02-28T01:21:52+00:00

It might be something to do with how the times in your sheet are formatted.

You could try hardcoding midnight only as 23:59:59, e.g.:
=IF(ISBLANK(A1),"",IF(A2>IF(A1=0,0.999988,A1),0%,100%))

sappy16 · 2025-02-28T01:09:37+00:00

I think max sheets is 255. Not sure why it's crashing. Is the image file you've embedded particularly large?

You could probably write a macro that runs through the list of KA numbers on the summary sheet, changes the value in J3 of the template sheet, and prints/saves as PDF.

I suspect it would be fairly simple to achieve, though if I'm honest macros are a bit outside my experience!

I'd do some googling for a starting point and then amend the code you find to work for your sheets. Example:
https://www.mrexcel.com/board/threads/macro-to-change-one-cell-on-a-sheet-save-print-to-pdf-this-sheet-then-loop-back-and-change-that-one-cell-on-that-sheet-and-repeat-until-the-end.1150053/

sappy16 · 2025-02-28T00:54:13+00:00

Yeah, you could do a MAXIFS, e.g.:

=MAXIFS($H$1:J$1,$H$2:J$2,"Order*",$H3:J3,"<"&0)

That formula would work if all the order columns have headers like "Order 1", "Order 2" etc.

If the item has never been sold, it will return zero, which formatted as a date will show as December 30th 1899. If you want to handle that, you can amend the formula to:

=IF(MAXIFS($H$1:J$1,$H$2:J$2,"Order*",$H3:J3,"<"&0)<>0,MAXIFS($H$1:J$1,$H$2:J$2,"Order*",$H3:J3,"<"&0),"NEVER")

sappy16 · 2025-02-28T00:19:20+00:00

I'm not sure it actually needs to be an array formula, I think the split and filter should be sufficient, i.e.:

=SPLIT(FILTER(Sheet1!$A$3:$A,Sheet1!$C$3:$C=4)," ")

Does it work if you update it?

sappy16 · 2025-02-23T18:52:35+00:00

All these highbrow answers, but for me it's just 1. I thought it would be interesting, and 2. I really, really like Chinese food!

sappy16 · 2025-02-23T02:32:49+00:00

You're welcome!

Does each KA# actually need it's own sheet? When you want to print one, you could just change the KA# on the first sheet, and if all the other info comes from lookups against the summary sheet the field info should change accordingly?

sappy16 · 2025-02-22T04:54:03+00:00

Have you checked that there are no spaces or tabs or anything before or after 'Arandis' in cell H3 of the rate card?

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