I did mine from NON-O till Retirement for 5 years through an agent. Never had any hassles and proved prudent when Covid struck a month after my first Retiremen visa was made.
only the new notes. I have the older ones and they are rejected in Thailand and Philippines. I reached out to a friend in the UK and he said they are now obsolete. A pity I hung on to a few of them too long
first thing lways click on the comment and report it. The group admins will take action. Do it right now. Secondly, if you resort to using the same language then you fall into the same bracket as him. So why complain and vent,???
Best advise. Take a 30 year lease. Its very affordable. But if you really trust your wife then at least you will leave behind a roof over her head if you buy a house.