Any finance/mortgage gen?

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Originally Posted by The Simps

Oh Mark - i have been working on it actually :p

Just realised i didnt reply to your text. I'm away all of september but maybe a mince in october could be arranged!

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That's because you're a massive homo, my phone has decided it doesn't do texting at the moment anyway, literally since the evening I got a girls number sat night, was working all afternoon. I have been cockblocked by the ******* thing lol

Let me know, I'll 'book' a day off and we can mince all weekend :thumb:

A girls number?! Seriously?! From all the pictures of topless guys on your bedroom wall i thought you were a fudge rider. No wait, sorry, i'm thinking of your sisters room! Lol

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Originally Posted by The Simps

A girls number?! Seriously?! From all the pictures of topless guys on your bedroom wall i thought you were a fudge rider. No wait, sorry, i'm thinking of your sisters room! Lol

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Hactual feminine female one. Trust you to gravitate to the room full of topless fellas :p

edit: We were done with the finance advice and me and Simps can use this thread like msn, right? lol

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Originally Posted by Ben

Thanks for all the replies and advice, Jim i found this article which was intresting reading... Clicky

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Interesting article indeed. As stated in the article, each mortgage deal comes down to the individuals circumstances. For me, my wife has given up work to raise our son, so we are down to a single income. Having as low a monthly mortgage payment as possible is important right now. When she goes back to work I may look at making overpayments, but I need to compare that to the ever increasing cost of living before making a decision.

Glad you got yourself what sounds like a good deal. If only I won £166m on the lottery....would have made life a lot easier (note to self: start doing lottery, lol)

lottery = mortgage repayment vehicle AND pension..... well winning big on the lottery is about as likely as having what you pay into a pension fund still there come 70 lol

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Originally Posted by MK999

Maybe look into a One Account, is what the parents have, anything in your current/savings/mortgage account (sure you can work that out from the name) counts against your mortgage, so basically if you have a 100k mortgage and 20k in savings, it counts it and charges interest like, an 80k mortgage. Only downside is you only ever get ATM receipts that say you have -£80k to your name lol

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My Mrs used to work for the RBS One Account and it sounds exactly what you are looking for. Its very good if you have spare expenditure as it uses your bank account as the mortgage, the more money you have in the bank at the end of the month the better. You really can pay your mortgage off in a fraction of the time of a normal mortgage.