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Radish72 MFW diary

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  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    :T
    gallygirl wrote: »
    Surely you mean an OP of £65,255 to get down to 5 figures :rotfl:.

    Well spotted
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • Mortgage_Reduction_Novice
    Mortgage_Reduction_Novice Posts: 1,775 Forumite
    Radish72 wrote: »
    The £254 is because if you ask HSBC to loan you £165,000 they get the paperwork wrong and give you the wrong amount

    Ouch that's a nasty mistake. I hope someone got a right old telling off for that!
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    :j We have a house

    :T We are half moved in (another van tomorrow)

    :) The first mortgage payment isn't until the 1st October

    :eek: Its over £1000
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Radish72 wrote: »
    :j We have a house

    :T We are half moved in (another van tomorrow)
    Important stuff coming tomorrow I gather ;)
    Radish72 wrote: »

    :) The first mortgage payment isn't until the 1st October

    :eek: Its over £1000
    :eek::eek::eek: Eek :eek::eek::eek:
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Mortgage_Reduction_Novice
    Mortgage_Reduction_Novice Posts: 1,775 Forumite
    edited 22 August 2012 at 10:37PM
    Radish72 wrote: »
    :) The first mortgage payment isn't until the 1st October

    :eek: Its over £1000

    Is that them messing up your loan amount? Or is it meant to be that big?

    Ours started at over £1000 which we paid with poxy OPs for 2 years! It dropped over £200 after that though.
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Mortgage_Reduction_Novice wrote: »
    Is that them messing up your loan amount? Or is it meant to be that big?

    Ours started at over £1000 which we paid with poxy OPs for 2 years! It dropped over £200 after that though.

    It’s to do with them being incompetent :)
    As the mortgage was called for on the 20th August they can't set up the first payment until the 1st October so the extra £200 is the interest for 11 days in August

    Normal amount/month is around £845 (don't tell me off for not knowing the exact amount to the penny)

    But BF OP'ed £10K :jyesterday (the max you can do in 1 day on-line) and will be doing it again, today, tomorrow and Saturday

    Then we need to cost up the house improvements we want to do and OP any left over money in the pot
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Part of the Furniture Combo Breaker
    yay on new house!!
    and well done on BFs OPs! you certainly have him well trained ;) :rotfl:
  • Mortgage_Reduction_Novice
    Mortgage_Reduction_Novice Posts: 1,775 Forumite
    Wow that's a superhuman amount of daily overpayments!!!
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • greent
    greent Posts: 10,760 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yeay! :D:D
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Mortgage_Reduction_Novice wrote: »
    Wow that's a superhuman amount of daily overpayments!!!


    We were both lucky, bought houses at the right time, found this site and both started OPing our own mortgages

    With house prices increasing (even though we didn't get the max due to being not being ready to sell until after the price drop but the house we bought dropped as well) and OP's we came away with £176K
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
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