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Thanks Steve - PM sent

I know! I know!

Thanks for the advice and comments and PMs so far. Really helpful and please keep them coming.

I take your point but as a doctor employed by the NHS and with a wife who has a tenured contract as an academic in the HE sector, unemployment isn’t a big fear. I’ll health on the other hand is, and...

Should have mentioned that.

I’m 40, my wife is 39. We have no dependents and neither of us will be retiring before we’re 67.

Our salaries will also increase over the next few years so the...

Morning All,

Dream house has come for sale. We know that we can afford, but the question is whether a lender would feel the same. I thought I’d ask here because I’m aware that intermediaries may...