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QB Wolf's long and winding road
Comments
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Another viewing tomorrow.
Sold some shares today to pay off some of the mortgage next week, so a pretty big OP on the way- watch this space. Makes me feel a bit odd though... so off to the pub to drown my sorrows!Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
a pretty big OP on the way- watch this space.
£10k OP made, lots of milestones broken, 4 figures in OPs, below 70% LTV, into the 150s.
Saves me 8k in interest, knocks 2 yrs off the mortgage.Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
Wow! What an overpayment, great to see the difference it will make.0
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Fantastic, well done :T.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"0 -
Thanks SD & GG. To be honest as we're looking to move and get a bigger mortgage, it's kind of irrelevant but will lower our early redemption fee if we have go into rented for a bit. So there is some method....Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
The tenants on the BTL we own have given notice so now in two minds, thinking we'll sell that too, get the equity out of it to help with our next house purchase.
We saw one on Friday, which was nice but not quite right.Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
Mortgage OP has gone in, but they've reduced my monthly payment rather than the term. Not necessarily a bad thing at the moment.
Sold another load of shares yesterday before the end of the financial year to put towards the new house deposit.
On the last day of our holiday today, had a great break, but days out seem to get increasingly expensive!Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
Went to see a house today and absolutely loved it, it was perfect, however whilst taking to the vendor he wants at least 25k more than the estate agent said he wanted, and probably 35k more than our absolute absolute maximum - so totally frustrated - not sure what we're going to do.Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
Glad you enjoyed your holiday QBW. Sounds like you have a big decision to make regarding the house you viewed, but glad you found one you like. 0
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Hi QB,
You have been through a lot since you started your diary but have continued to do really well on the MFW journey!! Hope you will find the right house, we had a pants time selling/buying before we found our home we are in now, so fingers crossed that all this hassle has meant you will find the next perfect place and the others wouldnt have been right!!
Jodles
MFW2020 #115 250/3000 J-250
1% challenge- /1525Save 1k in 2020- /3000
Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
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