Anyone got a spare £600k I could use to pay mine off?![]()
Looked down the back of the sofa?
Anyone got a spare £600k I could use to pay mine off?![]()
Anyone got a spare £600k I could use to pay mine off?![]()
I don't feel quite so bad when I look at my current balance now![]()
Ratios innit..I feel your pain.![]()
Ratios innit..
In context it's not mad at all it's just hard not to feel a bit of jealousy over paying it off but when it cost me £1m to start off with (or will, I've got £400k outstanding now but we're trading up next year) it gets vaguely more acceptable.
Why? It isn't his money he owes.Indeed.
I think perhaps coming from a relatively modest background, seeing large numbers being owed makes me hugely twitchy even if it’s very reasonable versus income.
Why? It isn't his money he owes.![]()
when did you take your mortage out to get a rate of 3.77%? most rates was sub 3% over 5 years ago...My 3.77% deal is coming to an end in October, fingers crossed I can get something around the same rate
Maybe 5 years?when did you take your mortage out to get a rate of 3.77%? most rates was sub 3% over 5 years ago...
Ouch man, and I thought my 29.78% LTV (7 years remaining) was stretching in these current times.![]()
Hoping the rate drop means what I have locked in goes down a bit. I am paying 4.74% over 5 years for half, and 2.44 on the other half. IIRC I have locked in 4.84% for the 2nd half.
The website is currently offering me 4.64% at 80% LTV but it seems to have no bearing on the actual Mortgage Manager app...
I can also see my house price has dropped from 860 to 830 according to their calculator, so I am still playing a balancing game with the LTV ratio (currently at like 80.24%)!
I guess I'll have to endure the call center and see if I can get the 4.64% rate, and I'll probably have to top up the mortgage by £2k to get through the LTV test based on their revaluation of the house.
![]()
Hoping the rate drop means what I have locked in goes down a bit. I am paying 4.74% over 5 years for half, and 2.44 on the other half. IIRC I have locked in 4.84% for the 2nd half.
The website is currently offering me 4.64% at 80% LTV but it seems to have no bearing on the actual Mortgage Manager app...
I can also see my house price has dropped from 860 to 830 according to their calculator, so I am still playing a balancing game with the LTV ratio (currently at like 80.24%)!
I guess I'll have to endure the call center and see if I can get the 4.64% rate, and I'll probably have to top up the mortgage by £2k to get through the LTV test based on their revaluation of the house.
Balls to the London and Surrey lot with their mortgages. Houses are silly down here/there.![]()
Hoping the rate drop means what I have locked in goes down a bit. I am paying 4.74% over 5 years for half, and 2.44 on the other half. IIRC I have locked in 4.84% for the 2nd half.
The website is currently offering me 4.64% at 80% LTV but it seems to have no bearing on the actual Mortgage Manager app...
I can also see my house price has dropped from 860 to 830 according to their calculator, so I am still playing a balancing game with the LTV ratio (currently at like 80.24%)!
I guess I'll have to endure the call center and see if I can get the 4.64% rate, and I'll probably have to top up the mortgage by £2k to get through the LTV test based on their revaluation of the house.
I don't think I've done anything material for the valuation tho? Like to them it's just decorated. There is a risk it could be valued down, too.You've done a lot of work to your house so get it valued properly instead of via their calculator.
I don't think I've done anything material for the valuation tho? Like to them it's just decorated. There is a risk it could be valued down, too.