monkeytassle
Striker
Too far from a stationSeems cheap for down sarf like.
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Too far from a stationSeems cheap for down sarf like.
Almost all are calculated daily now. The sooner you pay it off, the sooner you stop paying interest on it.
Some lenders let you take back your overpayments so it's win win.Yeah that what I want. Paid of by the time I am 50 hopefully. Obviously plenty variables which could fuck that plan up but that is the aim.
Yeah I have had a look and it is amazing how smallish overpayments can knock alot off.
Some lenders let you take back your overpayments so it's win win.
I'm with the Nationwide. I kept a little on so pay them 7p a month. At any time I can borrow my overpayments back. At 0.59%Mine does that at the moment (Co-Op) but looking around at new deals and there's not many available that let you do it. You can overpay but not use it as an offset. Once its gone, its gone.
Canny calculator here:
https://personal.natwest.com/personal/mortgages/secure/mortgage-overpayment-tool.html
Even small amounts can take months/years off. Extra £100pm on a 25 year, £100k mortgage would knock off about 6 years.
Too far from a station
got me looking at properties now
property porn... could move 100 metres along the road
http://www.rightmove.co.uk/property-for-sale/property-59276773.html
That's a one way bet on the housing market. That's not cleverYou need to balance this up carefully when the interest rates are so low. It is a conveniently cheap debt while you can pour excess into stock ISAs with much higher returns if you have the spare cash.
Lad I know hasn't paid a penny off his mortgage, only interest. He invested everything he would have paid on a regular mortgage into higher return stuff and has made money. The sale of his house, whenever that might be, will cover the original mortgage amount plus much more.
Mrs K is never off RightMove!
I suspect we'll end up moving sooner rather than later
its addictive as hell.
I sent one to the missus and she said "can you book a viewing". I didn't reply.
if I was to move then it would have to be a bit further out as I'd want some land and outbuildings
Aim for Scotland.
had a scout for a few in NE but doubt she would up sticks..
if I had to choose and allow for work then I'd probably go west country but that can be pricey if you want to be near the coast
A bit pricey? The locals can't get houses in some areas of Devon and Cornwall
Hijacking this thread.
Are there any benefits to using a mortgage broker?
First time buyers with good credit ratings. Only potential issue I can see is the wife has only been in her current job for two months.
sometimes but I've found they often point you in the direction of where the most commsion is to be made but some do get exclusive deals.
check the sunday times money pages and online for best deals.
the more you can put down the better the deals generally.