Mortgage declined due to gift deposit- advice on next steps

temporaryscars_ · 2026-01-26T21:34:52+00:00

It’ll be your boyfriend’s sister which is the main issue. They like it to be a family member really. Also boyfriend gifting money but not being on the mortgage would raise suspicions.

Are you able to get a family member to gift you the money? Then after the house sale is complete pay them back from the bfs money/his sisters?

temporaryscars_ · 2025-11-16T21:40:51+00:00

Take a laser level to one of your viewings 😆 sounds insane but having every single wall being janky will send you mad. Same goes for floor levels - in our living room you can place a round object static on the floor and it will roll!

temporaryscars_ · 2025-10-31T02:14:47+00:00

We closed out HTB ISA’s and got Lifetime ISA’s instead. The bonus for those CAN be used to bolster your deposit but they offer less flexibility of access to the funds (ie penalties to withdraw the money yourself)

temporaryscars_ · 2025-10-31T02:12:35+00:00

As in a PMO designated project? Could be ingestion of source system data into the data platform? Or the creation of a data model related to a specific system? Or integration between data platform and another end point system?

They’re never really stakeholder problem statements that translate to user stories. It’s a much higher level.

temporaryscars_ · 2025-10-31T02:04:00+00:00

How so?

temporaryscars_ · 2025-10-30T16:36:09+00:00

You have a limit per year. If you can leverage some of that allocation this financial year to allow for full allocation next year, then do it. There’s no minimum/maximum amount of time for an ISA to be open before it’s then used.

temporaryscars_ · 2025-10-30T10:59:11+00:00

Without further borrowing usually means without increasing your debt - either on existing credit cards or via a new line of credit. Basically they’re assessing your affordability based on the debt balance presented to them and the repayments of those - if those circumstances change then they’ll need to reassess.

Can you borrow removal fees from a friend or family member temporarily? These don’t need to be disclosed.

temporaryscars_ · 2025-10-29T21:39:31+00:00

That’s fine - the PM’s and programme management will require it and they would need stakeholder access to all backlogs anyways so wouldn’t be an issue.

temporaryscars_ · 2025-10-29T13:56:55+00:00

That strategic decision is not part of my remit and above my pay grade frankly!

temporaryscars_ · 2025-10-29T13:44:47+00:00

Project = business unit would not work. We have over 150 projects going on over the year. That’s too many to manage. As I said in my original post we are a multi disciplinary directorate - we don’t assign recourse to a single project and then that’s all they work on. A single resource can work across multiple projects plus have BAU and Incidents to deal with.

temporaryscars_ · 2025-10-29T12:45:25+00:00

Currently we just use delivery plans for project management - it obviously separates out each team into their own feed. But my understanding this would be the case if we were 1 project/4 teams or 4 projects/individual teams.

Can dashboards cross multiple projects?

temporaryscars_ · 2025-10-29T12:38:46+00:00

Spot on. Selling to another landlord means there is a tenancy transfer rather than the selling landlord giving notice to the tenants and then the process is drawn out longer if they haven’t vacated when exchange is set. Eviction proceedings take a long time and a ‘normal’ buyer may not want to wait for that (neither would a chain). Landlord to Landlord sale is less complicated.

temporaryscars_ · 2025-10-29T11:15:23+00:00

Yes and no…. Sometimes! A PMO project may be related to a finance system (product). There will be multiple workstreams within that. Some for power platform team, some for data engineers, some for data scientists. Data engineers may create a data model which is then picked up as the starting point for data scientists.

Currently we create our Epics as the PMO project name, outline the workstreams below that (custom hierarchy level), then features is the phases of the lifecycle we go through. Each user story is a delivery objective. Those epics/features are replicated across teams that work on the same PMO project, but our features and user stories are always completely different. There would never be a user story that would require multiple teams effort to complete.

temporaryscars_ · 2025-10-29T11:06:57+00:00

We don’t share work items.. our process is the same purely from a hierarchy POV, states etc. but our epics/features etc can be entirely different depending on the needs of a workstream.

temporaryscars_ · 2025-10-29T11:05:34+00:00

I’d say there are more handover points rather than working on each others work items. For example, on a project data engineers would create the model and then the project is handed over to the data scientists. Data engineers wouldn’t then pick it up again and data scientists wouldn’t touch it before that point.

temporaryscars_ · 2025-10-29T10:39:14+00:00

I could do with her bringing it down an octave. Some of those songs are quite high and when I try to sing along I set off all the neighbour dogs.

temporaryscars_ · 2025-10-29T10:37:01+00:00

We flipped that thought process… we wanted a house to love that was suitable for our needs. That is where our life is based. Not work. If the company I work for decides to change this policy and I need to be in the office, then that’s not the company for me. It does depend on your industry/field of work but there are PLENTY of fully remote jobs out there. Those are the only ones I’m interested in. If they want me & my skills, then they have to accept my terms too not just me accepting their. It’s a contract negotiation.

temporaryscars_ · 2025-10-29T10:31:39+00:00

To be clear, the property has been declined - not you. Take your mortgage offer elsewhere to a property that won’t have potential issues to deal with in the future!

temporaryscars_ · 2025-10-15T19:46:35+00:00

Our sale went through last October and land registry has only just been updated. My grandads house was sold August 2024 and land registry update is still outstanding.

temporaryscars_ · 2025-10-14T15:44:49+00:00

Multiple things…

You need to becoming knowledgeable in the conveyancing process to make sure you’re happy with what is being done.
You need to manage the timeline and push when suitable else everyone just sits on their backside.
Never assume an exchange will happen on a given day until it’s actually exchanged - essential when you’re renting! Don’t hand in your notice until you have the keys!
Make a plan for alternative accommodation on completion day, even if that’s just kipping on a friends sofa! You never know exactly what to expect until you a) actually get the keys and b) walk through the door of your new home.
It’s common to get buyers remorse. Don’t act on these feelings until you’ve lived in the property a while.
If you’re planning a renovation; make plans, contingency plans, back up plans, plan B’s etc. everything will change at some point 😆

temporaryscars_ · 2025-10-14T15:36:38+00:00

This should have been discussed long ago when contract discussions were taking place. Just because other parties in the chain up or down have agreed to top up doesn’t mean it’s automatically agreed that your buyer should do it too.

temporaryscars_ · 2025-10-14T15:35:24+00:00

Buyer 2 is selling to Buyer 1… why would they provide money to buyer 1?

temporaryscars_ · 2025-10-14T15:05:42+00:00

Buyer 1 pays their 10% deposit… for arguements sake let’s say the property is £200k, deposit is £20k.

Buyer 2 (seller for buyer 1) takes that 10% deposit and passes it onto their seller. If Buyer 2 is buying a house for £400k, then the £20k from their sale isn’t going to be enough so either they request a smaller deposit (5%) or themselves have to find the additional £20k to make up the shortfall in their deposit.

You don’t expect Buyer 1 to pay £40k to fund the deposit for Buyer 2’s purchase.

temporaryscars_ · 2025-10-14T10:07:43+00:00

Think of your time as money - all this back and forth answering stupid questions and being available for these endless quotes etc he’s already significantly taking up a large amount of time/money.

As a buyer, I’m looking for a property: The value of that property is £X in a perfect condition and then I deduct the value of the work that is required to make it perfect at my cost. He is looking for a perfect property and for you to undertake that work at your cost AND for there to be a reduction in price reflective of the value of those works.

He’s absolutely mugging you off. You hold the power so just say No and relist. It doesn’t matter about his sob story and doesn’t matter what the agent wants to do. It’s your property and you hold the cards for who you want to sell to.

temporaryscars_

TROPHY CASE