u/FifaIsStress

Hi all. I’ve just had a MIP of £270k over 40 years at 90% LTV. If I find a house and want to now change this to 35 years, do I have to update the MIP first before I offer or can I put the offer in and then change this when I do the mortgage application?

I have a 2017 3 series with pro nav screen. It has Bluetooth but no CarPlay. My BMW app on my phone gives me the option to buy apple car play preparation but apparently you need a wifi antenna for this to work? My local bmw garage says my car doesn’t have the antenna whereas the connecteddrive agent I spoke to says if they are giving me the option to buy it then it means it will work. How can I verify

Apologies for the stupid question, but I want to do a mortgage in principle. I understand during a MIP, the bank does a soft credit check. I’ve just paid my credit card off but the statement won’t show zero balance until end of the month now. Can I still apply for a MIP even though the check might show that I still owe money? Not sure how it works

Hi all, like most of you, I did two semen samples and both came back zero. There was a 3 month gap between them. First sample size was 0.5ml and the second was 1.5ml. Testosterone and hormone levels all came back as normal. I don’t think it is non obstructive as I don’t have any other symptoms of this. No physical check yet. I have been referred on the NHS and been put on a waiting list. It’s already been 5 months and I have been chasing but nothing.

I am now considering going private. Does anyone recommend any good consultants/clinics and have had a great experience with them. Any success stories. Thanks

Planning on buying our first house soon so need an MIP before we start browsing. I have two questions:

1. what do they ask on an MIP application? Do they ask about savings or is just only based on annual income

2. we are looking at houses around 300k max. Our combined monthly income is £4k. We currently have a 7.5% deposit (hoping this will reach 10% by the time we browse properties and pick one). Based on 10% deposit and a 5 year fixed rate - monthly repayments will be around £1250ish. Is this too much?

Thanks in advance

Got an email from verified student loan email stating I am eligible for a refund. Went through it. Got a confirmation email. How long does it take for it to come through?

Around 2-3 weeks ago, I took my cat to the vet as her appetite reduced significantly (from eating 4x a day to only once - if that). Upon inspection, she had jaundice of eyes and teeth, dehydrated, high temperature and they also noticed a small lump in her belly. She also lost 1kg in weight. They administered IV fluids to rehydrate her, did a scan and a needle aspiration on her. They suspected it was FIP. Whilst they waited for the results (about ten days) they sent her back home. During that time, she was back to her normal self - eating and playing. However she still hasn’t gained any weight back..

Results came back showing a “medium to high level” for FIP but because she was feeling better, they assumed she didn’t have it and she was only exposed to it. They requested another blood test for a week later.

Took her to the vets for the blood test on Thursday who said that the most of her levels were fine but there was still some anaemia. They also noticed that the lump moved to a difference place. They still couldn’t confirm if it’s FIP or something like lymphoma. They wanted to do another scan and another fine needle aspiration (obviously very frustrating and costly).

Scan came back okay, but there is a mass there. Waiting for the needle aspirate results on it. Vet still doesn’t know what it could be. I think regardless of the result, they want to try the FIP medication, even though she’s feeling ok.

Just wondering what this mass is? If she’s ok, then the mass wouldn’t be affecting her? Maybe Benign? Why hasn’t she gained any weight back since shes been eating again? Does it make sense to give her the FIP medicine?

Thanks all, I apologise for the long post.

Hi all, need some help/clarification. I’m looking to buy a house for the first time but before this I need a mortgage in principle. If currently I have a deposit of 7% for the house I want to get (roughly), I can select whatever rate the provider is giving me right? So I can then start looking at properties. However by the time I get a house that I like and my deposit is now 10% during this period. Am I able to ask for new rates compared to what the provider was giving me before at 7% deposit? Hope this makes sense

Hi all. Quick question, do I need to have an iCloud back up on my phone if I only care about my photos. Am I correct in saying that If I got a new phone and logged into my iCloud account, my photos should appear? But nothing else would

Hi all. I’m looking to buy my first house along with my partner. We have a 10% deposit for the properties we have been looking at. Is a 5 year fixed rate the best choice? When the 5 year deal is close to ending, does the current mortgage provider give a new deal to stay with them for another 5 years? Or do I have to search elsewhere. How does it all work. Thank you in advance

Hi all. I just created a gmail account and it wanted me to verify by opening my messaging app and sending a text message with some characters to a UK number (where I’m based). Is this normal? Very odd..

Usually go Dubai every year in the first week of May but due to the current situation, this was cancelled. Now looking to go end of September. Is the weather the same as first week of May? I’ve been in the first week of September and that was too hot..

Ello, has anyone been to the Asia side of Istanbul? What things are there to do? Two years ago I went to Sultanahmet located in the European side and pretty much did most of the things there but now I’m thinking about going to the Asia side. Any recommendations of what to do and hotels to stay at?!

Thanks

Hi all. I plan to visit Antalya for the first time with my wife end of May. Does anyone recommend any hotels. We are looking for one that has great food, right near a sandy beach and close to some excursions that we can do.

Much appreciated

Travelling to Antalya first time end of May with the wife. Does anyone have any recommendations for a beach hotel there and ofc with great food. Ideally a beach with sand not with pebbles! I’ve had a look online but quite difficult to see what has sand.

Thanks