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Romeo's mortgage P&B decides


Romeo
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I'd be tempted to go with a fixed deal as interest rates will rise sooner or later......that said, my fucking financial adviser has been telling me that since 2009!

 

If you can overpay, do it but don't overstretch yourself as it can add to the stress of work.

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Stop polluting the website 

 

How ironic

 

Whatever option offers you a fixed or variable rate to kick it in the pie.

 

Yeah, keen to get it kicked into touch as soon as possible.

 

I voted other.

 

You should sell your body in Blythswood Square every weekend until you have enough for a house.

 

there is not enough time left before the planet dies for me to make this amount of money selling my body.

 

Dont go for a fixed rate

 

Reason..?

 

Sell heroin to school children, it's very profitable you'll soon have enough cash not to worry about mortgages.

 

I live in the west mate, not the east.

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Depends on a lot of factors, such as deposit and LTV, but interest rates are exceptionally low right now and I would be keen to be tied into a fixed rate for as long as possible, provided they are not ripping the c**t with the interest rate you are being offered. Which goes back to deposit or LTV I guess.

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Fixed rate. See if your bank or another can do a wee deal with some cashback thrown in as well? I got close to £2,000 for taking out a certain type of mortgage with my building society

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BTW best get the fixed rate before the 23rd of this month

Interest rates could go change dramatically depending on the result of the #EURef

I'm just in process of arranging my 1st one, fixed for 3 years. Should be sorted by then thankfully.

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BTW best get the fixed rate before the 23rd of this month

Interest rates could go change dramatically depending on the result of the #EURef

 

This. They won't definitely go up if we leave but they could and as the rates can't go much lower I'd go for the 5 years sharpish.

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Where was this thread when I renewed online last night?!

 

Took out a 3 year fixed rate in the end, a pleasing ~£150 cheaper monthly payment than the one which has just finished.  Intending on just keeping the payments the same as previous (i.e. overpaying by putting that £150 back in) but at least I know that's optional and can drop it down if things get tighter over the next few years.  :unsure:

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