@_Unknown_D_@BitcoinBertie Exactly right - some have a small admin fee and others increase the rate so it depends on the lender. Consent to let is designed to not obstruct people moving, not let you turn a residential property into a BTL with different rules and risks
@DanNeidle As a mortgage advisor I’ve recently seen payslips for someone employed by a small company but Companies House check shows dormant accounts being filed 🤷🏼♂️
@DanNeidle A large cohort did uni degrees which didn’t deliver as promised which ultimately leads to retraining or work based experiences and delaying higher levels of earnings. Poor policy and events such as Covid then mean insufficient growth to drive income higher.
@ZubyMusic I always thought it was education but I’m a mortgage advisor and a huge number of people don’t know -
1) what loans/credit cards they have
2) how much they earn, even if it is just a basic salary.
A huge number of people just don’t care about finances
@TLLandscape@griffitha Obviously happened under the Tories but more of a European issue really though wasn’t it, being tied into a failing exchange rate mechanism was the main driver.
@LoftusSteve That may well be true but public sector pensions need massive reform at the same time. I’d even go so far as to say if you are getting a public sector pension you shouldn’t get a state pension as well. That’ll help reduce the bill!
@procurementfile More evidence of civil service incompetence. It’s not hard to deny a huge proportion of these applications, they probably get more applications because they approve them.