Once more with feeling...

freddykrueger

Kittenkirst wrote: »

Good to see the numbers coming down & that you had a good holiday too :-D keep at it and good luck with the new job!

Thanks kitten - I keep promising that I will be more active here and if I can make the effort and post regularly I genuinely feel it will help the journey.....

New job is exciting but MF is a life changer!! :beer:

freddykrueger

I'm coming up to the end of my 2 year fix and have the option of another product through Scottish Widows offset.

I really like the product but the only thing that is irritating is making payments into the offset savers account - as widows do not have their own clearing system it's not instant and can take a number of days to reflect on the account.

Rates being offered seem to be around 2.69% for 2 year fix based on 55% LTV but not sure if this is good compared to other stuff out there.....will need to do some digging

freddykrueger

Still to decide what to do with my mortgage product. I am still making inroads on the mortgage though and just under 20k now to mortgage neutral.

I have sort of figured out if I keep going at rate I am, I should be at that stage in around 22 months assuming I stay with my current mortgage payments and my regular payment into the offset saver.

Or I may have got that totally wrong