Originally Posted by dunroving

I was wondering whether 25 years takes you past retirement age? I seem to remember way back when I first took out a mortgage in the UK (late 80's), that lenders were reluctant to give you a mortgage term extending past your retirement age. Conversely, here in the US, it really doesn't seem to be an issue - my current 30 year mortgage would take me past my 75th birthday!

Just looking ahead to when I try to get back on the ladder in the UK, whether this is no longer an issue with UK lenders. Prices are bad enough as they are without having to cram payments into a 15-year term!

Originally Posted by dunroving

I was wondering whether 25 years takes you past retirement age? I seem to remember way back when I first took out a mortgage in the UK (late 80's), that lenders were reluctant to give you a mortgage term extending past your retirement age. Conversely, here in the US, it really doesn't seem to be an issue - my current 30 year mortgage would take me past my 75th birthday!

Just looking ahead to when I try to get back on the ladder in the UK, whether this is no longer an issue with UK lenders. Prices are bad enough as they are without having to cram payments into a 15-year term!

Originally Posted by psb182

maybe just get a small house and pay "sausage and mash".......that appeals to me

Originally Posted by janeyray

Ohh, not sure about that one. In 25 years time (well 24 now) hubby will still be below the 65 year retirement age for men but I will be 62 and women retire here at 60...don't they? For now anyway!

A friend of mine who has recently got divorced is taking out another mortgage and thats for 30 years. That will definitely take her over retirement age.

Originally Posted by Badge

Doesn't the EU make it sexist for women to retire at a different age to men? I thought it was uniform 60/65. I did EU law at Uni, can't remember a thing now..

Badge

Originally Posted by ladyofthelake

You can add the good ol' USA to that aswell. I've lived in Hong Kong myself, and no one expected us to suddenly become Chinese, talk Cantonese and eat only Chinese food whilst we were there. Yet here, we are expected to become totally integrated and be like the locals purely because we speak the same language.

Originally Posted by cindyabs

I would say as an American that because we are a nation of immigrants (legal and otherwise, :rolleyes: ) that it more often would lead to the expectation of "fitting in." Would I expect you to give up your heritage, no, would I expect you to be open to what the US has to offer? Yes. Be liek the locals? Hell I come from a different part of the US and I'm not like the locals!! ;)
I've lived in two other countries on the continent myself and while English was not the first language of either country (didn't expect it would or should be) I am richer for the experience.

Originally Posted by ladyofthelake

still like to use salad cream and want to know if you can buy it somewhere.

Originally Posted by janeyray

It makes me quite angry when I read that people who don't stay in the country they choose to emmigrate to mustn't have the right attitude. :mad:

I read from many posters who are yet waiting to go/or those that are settled and living quite happily in thier new chosen country that if you want to return or don't like where you are then it's all about attitude?

What is the right attitude then? Are they saying that as soon as we land that we aren't prepared to work? we aren't prepared to live a different way/to adapt to their culture? that we aren't prepared to leave the Uk behind? What?..what is then that makes the right attitude???

I think my family certainly had the 'same' attitude that the thousands of migrants that leave the UK each day have. We planned for ages, did our research, did everything the same as everyone else, we didnt do anything different.

When we arrived we did the same as everyone else, made friends (Aussie and British) hubby got a job, daughter started school, we bought a house, we got on with our lives in Perth. We didnt have a different attitude towards Australia that singled us out as a definate to return to the UK. Homesickness isn't a fault, it isn't an attitude problem.

Everything we did in our plans to go to Australia were the same as thousands of others...it's just plain and simple... you either like it or you dont, there is no hidden secret as to why some stay and some don't. It doesn't matter what type of person you are and what type of attitude you have...what rubbish. :D

Originally Posted by wildmark

Sorry, but I can't believe your winging about people winging, whats the point, your back - it did not work thats fine your happy now and I think that's all that matter's but why bother coming on here and winging about it, no wonder the Australians hate 'winging Poms'

Originally Posted by kendodd

I wish we did have wings - then we'd all fly home.....

as for 'whingeing' poms.....

Originally Posted by wildmark

Sorry,

Originally Posted by janeyray

Are you or are you not...whinging about me, whinging about other people whinging? :rolleyes:

Originally Posted by janeyray

Don't be sorry, you have nothing to be sorry for. ;)

Are you or are you not...whinging about me, whinging about other people whinging? :rolleyes: