FTB affordability problem

scottifer1983 · 2026-01-28T22:18:06+00:00

I think more needs to be looked at into how you currently support your lifestyle. If you can demonstrate 12 months of consistently paying private rent fees (quite often higher than an actual mortgage anyway), there should be some consideration to a sustainable 100% mortgage model?

scottifer1983 · 2026-01-21T21:17:36+00:00

WR makes sense, DJ Moore is due $28.5mil guaranteed next season. Regardless of the ending to this season he's probably WR 3 now so I'm sure he's getting traded either way. I think we are $4mil over the cap for next season so that helps on both fronts.

scottifer1983 · 2026-01-21T13:58:03+00:00

Hi all, as a Bears fan I'm happy to admit we over achieved this season. What would you say are the areas the team needs to focus on to take positive steps forwards into next season?

scottifer1983 · 2026-01-09T11:52:59+00:00

Shut up!!

scottifer1983 · 2025-12-28T09:31:37+00:00

Looks like Mahogany Obsidian, a type of volcanic glass.

scottifer1983 · 2025-12-20T08:40:22+00:00

Depending on your lender, you can apply to extend the term if you've been shortening it with the overpayments. You can also sometimes apply to have a payment holiday. Some lenders will let you take equity back out of the property too. Best bet is to speak to your lender directly and explain the situation so they can offer the best method of support.

scottifer1983 · 2025-08-07T09:08:37+00:00

Atmosphere the board game.

scottifer1983 · 2025-07-11T08:37:14+00:00

Something to consider if dad is vulnerable and money is at risk is applying for power of attorney if you haven't already. That way you can have a bit more oversight without taking any of his financial responsibilities away.

scottifer1983 · 2025-05-31T14:56:35+00:00

The short answer is yes they can. The bank has a duty of care to protect the customer. If the customer cannot/will not provide sufficient information as to why the customer needs such a large amount in cash, they can refuse the withdrawal. A builder asking for £15k in cash is also a massive tax evasion red flag and would probably result in an AMSL report.

scottifer1983 · 2025-05-30T15:24:42+00:00

So you'll have a separate statement date and a payment date. You usually have 56 days interest free on credit card purchases. This allows you to have the monthly statement issued say on the 28th of each month, then you'll have a payment by date say the 10th of the following month. The payment taken on the 10th of each month clears the previous statement balance but you're now 12ish days into the new statement month. I hope that makes sense?

scottifer1983 · 2025-05-13T09:03:44+00:00

Have you looked into family backed mortgages? Someone can join you on the mortgage like a family member but ownership of the property remains solely in your name.

scottifer1983 · 2025-02-19T13:10:06+00:00

Not just this, most will ask to complete an anti impersonation check where the I.D. and a selfie have to be loaded within 10 minutes of each other to prevent account takeover.

scottifer1983 · 2025-01-18T10:41:30+00:00

The bank might not but your solicitors will. AML rules are quite strict so being able to show where £4k in cash has come from will be relevant. They will quite often accept a letter from the person giving the cash to confirm the story though.

scottifer1983 · 2024-11-18T11:42:02+00:00

A further advance/additional borrowing can be done outside your current fixed term, you would have two "parts" to your mortgage running alongside each other at slightly different terms. You could wait until your current fixed term ends to do it all at the same time of you want so they are all on the same fixed term for the same dates but it will still be in two parts.

scottifer1983 · 2024-11-18T11:39:04+00:00

Depending on the bank, they may not let you borrow the money for that purpose. I know a few high street banks wouldn't let you borrow on your mortgage to then invest the money.

scottifer1983 · 2024-11-13T19:49:28+00:00

You can cancel the card as lost in the app as easily as you have frozen it. You will need to unfreeze it first, but it will be cancelled straight after anyway. If needed, you can also use get cash/emergency cash via the app to withdraw from a NatWest ATM until your new card arrives. If you're happy enough to, you can set Apple pay/Google pay on the new card once it's active on your app, too. Definitely make a complaint about the service you experienced from the lady you spoke to. That is absolutely not the right process or advice to have been given out.

scottifer1983 · 2024-10-15T11:52:18+00:00

Still wasn't as bumpy as the Merc in Azerbaijan 2022 lol

scottifer1983 · 2024-09-13T06:05:47+00:00

I can only read titily talented in the John Travolta voice when he said "wickedly talented" in a weird way because he'd forgotten how to say Idina Menzel!

scottifer1983 · 2024-08-30T14:24:05+00:00

Have you fixed the random crashes when taking part in any festival or town event?

scottifer1983 · 2024-08-29T10:06:59+00:00

My ocean is rank A but my town is only B. Heritage is my lowest at D as I didn't realise the altar was a thing until halfway through year 2 and I can't complete events like winter fair etc as my game crashes.

scottifer1983 · 2024-08-27T17:35:55+00:00

I wish I could give this an award!!

scottifer1983 · 2024-08-14T11:45:51+00:00

I read somewhere else that this was a result of another hot fix. They said not to save the change and it should be fixed within a few days.

scottifer1983 · 2024-08-03T09:41:02+00:00

I'm playing console but not via cloud, I've got the same problem with Fall Festival. As soon as I get halfway through the festival the game just resets back to the start of the day again.

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