FTB... how long will it take me to be MF??

tara747tara747 Forumite
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I'm a FTB with £90,000 in savings (and still saving). When I buy, I would like to be MF within 10 years. I'm looking at houses up to about the £170,000 mark. So I'd be borrowing about £80,000 at most.

Ideally I'd like to buy at a fixed rate for at least 5 years (preferably 10) so that I know what my repayments will be. And then I'd overpay as much as possible. How much can you overpay on a fixed rate??

My salary is about £38,000 and I'm single with no debts and fairly low outgoings.

Is 10 years realistic, or am I not being ambitious enough?

Any advice, tips or encouragement for me?
Get to 119lbs! 1/2/09: 135.6lbs 1/5/11: 145.8lbs 30/3/13 150lbs 22/2/14 137lbs 2/6/14 128lbs 29/8/14 124lbs 2/6/17 126lbs
Save £180,000 by 31 Dec 2020! 2011: £54,342 * 2012: £62,200 * 2013: £74,127 * 2014: £84,839 * 2015: £95,207 * 2016: £109,122 * 2017: £121,733 * 2018: £136,565 * 2019: £161,957 * 2020: £197,685
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