| On the subject of mortgages.... 19:06 - Jul 17 with 4539 views | Bluefish |
I actually need a bit of advice.
My fixed period is coming to an end so i started researching, the complication is that I haven't ruled out moving but the house i want might not come up for years. I also haven't ruled out a large extension. I decided to give myself some freedom but I also decided to fix for a long time because I can only see interest rates going up. I also chose to put my term down to 10 years to make overpaying easier
This led me to the Coventry and a 5 year fixed without a redemption penalty. There is an option to borrow extra but also a product fee of 599. Against a 2 year fixed elsewhere it was about 50 per month different but I figured it was worth it especially if rates go up in 2 years.
I have now leant far more towards not moving and doing an even bigger extension than planned. This might mean putting the term up again. Should I abort this mortgage quick and look again? |  |
| |  |
| On the subject of mortgages.... on 19:07 - Jul 17 with 3108 views | BlueBadger |
Sell up and move to Stoke. You'll be quids in. |  |
| |
| On the subject of mortgages.... on 19:09 - Jul 17 with 3098 views | Bluefish |
| On the subject of mortgages.... on 19:07 - Jul 17 by BlueBadger |
Sell up and move to Stoke. You'll be quids in. |
It isn't far to go to be fair | |
| |
| On the subject of mortgages.... on 19:10 - Jul 17 with 3083 views | BlueBadger |
| On the subject of mortgages.... on 19:09 - Jul 17 by Bluefish |
It isn't far to go to be fair |
I dunno, commuting into work from 1973 every day is surprisingly arduous. | |
| |
| On the subject of mortgages.... on 19:11 - Jul 17 with 3079 views | Bluefish |
| On the subject of mortgages.... on 19:10 - Jul 17 by BlueBadger |
I dunno, commuting into work from 1973 every day is surprisingly arduous. |
People commute?? Surely we all work at home now? | |
| |
| On the subject of mortgages.... on 19:12 - Jul 17 with 3074 views | WD19 |
Just cut down on the gym and avocados and pay for the extension out of the savings. |  | | |
| On the subject of mortgages.... on 19:13 - Jul 17 with 3069 views | Bluefish |
| On the subject of mortgages.... on 19:12 - Jul 17 by WD19 |
Just cut down on the gym and avocados and pay for the extension out of the savings. |
That is the missus idea
Cut down holidays ffs | |
| |
| On the subject of mortgages.... on 19:17 - Jul 17 with 3045 views | BlueBadger |
| On the subject of mortgages.... on 19:13 - Jul 17 by Bluefish |
That is the missus idea
Cut down holidays ffs |
The advocados were non-negotiable? | |
| |
| On the subject of mortgages.... on 19:18 - Jul 17 with 3042 views | BlueBadger |
| On the subject of mortgages.... on 19:11 - Jul 17 by Bluefish |
People commute?? Surely we all work at home now? |
Nah, some of us have proper jobs in the public sector where we have to work for a living. Not skivers' ones that let us spend all day crying on TWTD because people mocked our ill-informed opinions. [Post edited 17 Jul 2018 19:18]
| |
| |
Login to get fewer ads
| On the subject of mortgages.... on 19:18 - Jul 17 with 3040 views | Bluefish |
| On the subject of mortgages.... on 19:17 - Jul 17 by BlueBadger |
The advocados were non-negotiable? |
I can't disappoint my social circle. Standards must be kept | |
| |
| On the subject of mortgages.... on 19:19 - Jul 17 with 3040 views | Bluefish |
| On the subject of mortgages.... on 19:18 - Jul 17 by BlueBadger |
Nah, some of us have proper jobs in the public sector where we have to work for a living. Not skivers' ones that let us spend all day crying on TWTD because people mocked our ill-informed opinions. [Post edited 17 Jul 2018 19:18]
|
How unfortunate | |
| |
| On the subject of mortgages.... on 19:23 - Jul 17 with 3025 views | BlueBadger |
| On the subject of mortgages.... on 19:19 - Jul 17 by Bluefish |
How unfortunate |
Oh I dunno, it means I don't have to try and gain some measure of self-worth by posting links to flats in Stoke to strangers. | |
| |
| On the subject of mortgages.... on 19:28 - Jul 17 with 3008 views | bluelou |
GO for the two year, its such a good rate that even if does go up a bit in the two year period you’ll likely be better off than if you take the 5. Plus if you plan to overpay it will male more sense to have more cash per month to do so.
After that maybe think about doing a longer fix term next time. |  |
| |
| On the subject of mortgages.... on 19:33 - Jul 17 with 2987 views | Bluefish |
| On the subject of mortgages.... on 19:28 - Jul 17 by bluelou |
GO for the two year, its such a good rate that even if does go up a bit in the two year period you’ll likely be better off than if you take the 5. Plus if you plan to overpay it will male more sense to have more cash per month to do so.
After that maybe think about doing a longer fix term next time. |
Hmm I will look again. It might make more sense now. My concern was the brexit uncertainty and protecting myself. Interest rates can't really go down. | |
| |
| On the subject of mortgages.... on 19:36 - Jul 17 with 2979 views | Bluefish |
| On the subject of mortgages.... on 19:23 - Jul 17 by BlueBadger |
Oh I dunno, it means I don't have to try and gain some measure of self-worth by posting links to flats in Stoke to strangers. |
No you team up with another for safety and snipe at strangers. Top work | |
| |
| On the subject of mortgages.... on 19:40 - Jul 17 with 2969 views | BlueBadger |
| On the subject of mortgages.... on 19:36 - Jul 17 by Bluefish |
No you team up with another for safety and snipe at strangers. Top work |
Oh man, imagine more than one person at a time on here taking the piss out of you. | |
| |
| On the subject of mortgages.... on 19:43 - Jul 17 with 2964 views | Bluefish |
| On the subject of mortgages.... on 19:40 - Jul 17 by BlueBadger |
Oh man, imagine more than one person at a time on here taking the piss out of you. |
2 together trying to prove me wrong and failing
You can't take the piss you have nothing over me | |
| |
| On the subject of mortgages.... on 19:45 - Jul 17 with 2947 views | BlueBadger |
| On the subject of mortgages.... on 19:43 - Jul 17 by Bluefish |
2 together trying to prove me wrong and failing
You can't take the piss you have nothing over me |
You WISH it was only two... | |
| |
| On the subject of mortgages.... on 19:51 - Jul 17 with 2917 views | Bluefish |
| On the subject of mortgages.... on 19:45 - Jul 17 by BlueBadger |
You WISH it was only two... |
Nah get some more I'm fine. J2 and dolly are your level | |
| |
| On the subject of mortgages.... on 19:55 - Jul 17 with 2910 views | J2BLUE |
| On the subject of mortgages.... on 19:51 - Jul 17 by Bluefish |
Nah get some more I'm fine. J2 and dolly are your level |
A compliment i'm not sure Badger deserves. |  |
| |
| On the subject of mortgages.... on 19:58 - Jul 17 with 2898 views | BlueBadger |
| On the subject of mortgages.... on 19:55 - Jul 17 by J2BLUE |
A compliment i'm not sure Badger deserves. |
I'm taking it. It's not HFB/Guffers level, but who is? | |
| |
| On the subject of mortgages.... on 20:04 - Jul 17 with 2876 views | Bluefish |
| On the subject of mortgages.... on 19:55 - Jul 17 by J2BLUE |
A compliment i'm not sure Badger deserves. |
To be fair probably a bit harsh on you. You have a few moments, you are more benters level so above them | |
| |
| On the subject of mortgages.... on 20:05 - Jul 17 with 2868 views | monytowbray |
I think you should check your privilege. That'll probably sort it all out. |  |
| |
| On the subject of mortgages.... on 20:11 - Jul 17 with 2847 views | Bluefish |
| On the subject of mortgages.... on 20:05 - Jul 17 by monytowbray |
I think you should check your privilege. That'll probably sort it all out. |
Yep those 7 years got me this far.
Interestingly house prices were less in 2011/12 to what they were in 06 when I bought my 2nd house because i sold it for less than I paid. You obviously had that privilege yourself low house prices at the perfect age for you to buy. | |
| |
| On the subject of mortgages.... on 20:19 - Jul 17 with 2821 views | Bluefish |
| On the subject of mortgages.... on 19:58 - Jul 17 by BlueBadger |
I'm taking it. It's not HFB/Guffers level, but who is? |
Only Steve m and i can talk about hfb and guthers as we share the level. Please know your level and don't go upwards | |
| |
| On the subject of mortgages.... on 20:28 - Jul 17 with 2794 views | monytowbray |
| On the subject of mortgages.... on 20:11 - Jul 17 by Bluefish |
Yep those 7 years got me this far.
Interestingly house prices were less in 2011/12 to what they were in 06 when I bought my 2nd house because i sold it for less than I paid. You obviously had that privilege yourself low house prices at the perfect age for you to buy. |
HI MY NAME IS TRUCE AND I STILL DON’T UNDERSTAND THE MAIN BARRIER TO HOUSE OWNERSHIP IS THE ENTRY LEVEL.
I was poor in 2011, for your reference. But thanks for the advice. I’ll be sure to hand it on to 2011 Callis who couldn’t afford to pay his utility bills in one go. | |
| |
| |
By continuing to use the site, you agree to our use of cookies and to abide by our Terms and Conditions.
