Mortgages at this time

[paolo]

substantial saving going variable compared to fixed

stating the obvious award

with fixed, you know the score

but on bigger loans, that difference can be sizeable

with what is coming (or not, tin foil oil and all that pish)

for a big mortgage, right now, would you go fixed or variable?

[subsub]

substantial saving going variable compared to fixed

stating the obvious award

with fixed, you know the score

but on bigger loans, that difference can be sizeable

with what is coming (or not, tin foil oil and all that pish)

for a big mortgage, right now, would you go fixed or variable?

Tricky one, paolo.
Variable/trackers always look tempting, but given that it's your house that's potentially at stake, I normally go fixed unless it's an exceptional deal.
What I do find staggering is the proportion of people who don't sort out a new deal after the old one expires, so they go back on the high rate and pay way over the odds.

[Sadact7]

I’m on 5 year fixed at 2.7% switching to variable after 60 months.

At which point I’ll be onto my financial advisor to get me the best rate available.

[shabbado]

substantial saving going variable compared to fixed

stating the obvious award

with fixed, you know the score

but on bigger loans, that difference can be sizeable

with what is coming (or not, tin foil oil and all that pish)

for a big mortgage, right now, would you go fixed or variable?

Tricky one, paolo.
Variable/trackers always look tempting, but given that it's your house that's potentially at stake, I normally go fixed unless it's an exceptional deal.
What I do find staggering is the proportion of people who don't sort out a new deal after the old one expires, so they go back on the high rate and pay way over the odds.

[Moby Dicky]

5yr/10yr fixed rates are currently far more competitive than most variable/tracker rates.
Contrary to subsub, I let my main mortgage tracker deal run out and have been on a “standard” Nationwide rate of 2.1% for the past 5 years. I could do better, but I can pay as much capital off as I like when I like without any penalty - which suits my purpose at the moment.
I’ve also got an old filthy capitalist pig BTL mortgage at a stupendously daft rate of Base+0.89%. It ends shortly, but the provider has just agreed to extend it by 10 years on the same terms….which suggests that mortgage providers are short of customers at the moment.

[gheko]

Got a three year fixed at 1.79 end Feb 2024.
Can't complain.

[Vespa]

We're paying the last £1500 off our mortgage next month.

[The Ghost of Alex Higgins]

We're paying the last £1500 off our mortgage next month.

[Carlos J]

substantial saving going variable compared to fixed

stating the obvious award

with fixed, you know the score

but on bigger loans, that difference can be sizeable

with what is coming (or not, tin foil oil and all that pish)

for a big mortgage, right now, would you go fixed or variable?

Tricky one, paolo.
Variable/trackers always look tempting, but given that it's your house that's potentially at stake, I normally go fixed unless it's an exceptional deal.
What I do find staggering is the proportion of people who don't sort out a new deal after the old one expires, so they go back on the high rate and pay way over the odds.

[lambrini]

We're paying the last £1500 off our mortgage next month.

Wow
'Grats

[Vespa]

We're paying the last £1500 off our mortgage next month.

My retire by fifty plan is still basically fucked.

[Carlos J]

As always, all the best, Vespa.

[Vespa]

As always, all the best, Vespa.

[paolo]

As always, all the best, Vespa.

unless i jump thru lots of hoops, i am c@nted

a real shame, was a money maker

could pull my shares, but i know what would happen

cest la vie

hope ur having a decent week

i'm hectic at the minute, non stop

getting stuff done but trying to do some stuff that needs doing to then get to europe before the cunts shaft everyone with the covid scam

[Sid Pervcat]

When were you last over Paolo?
You been since covid?