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New but not new - Year 1 of 5!

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Comments

  • Betterthanever
    Betterthanever Posts: 584 Forumite
    500 Posts Third Anniversary Combo Breaker
    Haha, yes very true!!!

    In the meantime another £5 from circle has landed in the bank. I love free money!!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You're an example to us all!

    Will this rate rise make any difference to the mortgage you're going for, do you think?
    2023: the year I get to buy a car
  • Betterthanever
    Betterthanever Posts: 584 Forumite
    500 Posts Third Anniversary Combo Breaker
    I hope not, KC. Hfx put up their rate slightly a couple of weeks ago, so I am hoping that they were already factoring in the rise. However, even if they put it up a little more, I expect it to be less than my current fix, so it should still be beneficial to me, it would just have been nice to get the rock bottom rate! But unless I had paid £1500 in penalties, doing anything any earlier wasn't an option, and as I wouldn't have been able to recoup that £1500 over the remaining term it didn't make sense to do.


    So, I've done what I can and what will be will be! No news yet, though. I expect they were inundated with people doing the same as me yesterday!


    In other news, £10 hit my Amazon account today, and I got a free subway for World Sandwich day (or something similar) plus a free cookie because it's vaguely close to my birthday for marketing purposes! Who said there is no such thing as a free lunch!?! Free sweets too courtesy of shopmium (had to take an early lunchbreak to get these bought before the 12noon deadline!). Receipts duly uploaded.


    Cash pots duly adjusted.....I feel another premium bond purchase coming along......
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Keeping my trotters crossed for your successful remortgage:)
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • Betterthanever
    Betterthanever Posts: 584 Forumite
    500 Posts Third Anniversary Combo Breaker
    Thanks pp. I just want it sorted so I can start hitting it!!
  • beanielou
    beanielou Posts: 95,935 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy Friday :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Betterthanever
    Betterthanever Posts: 584 Forumite
    500 Posts Third Anniversary Combo Breaker
    And you too, beanie x
  • Betterthanever
    Betterthanever Posts: 584 Forumite
    500 Posts Third Anniversary Combo Breaker
    Well, today is a good day. The mortgage was agreed - documents received this morning, signed, and submitted to accept the offer. My payment will change with effect from 1st December, and my new rate will be 2.09% for the next 5 years......which I fully intend to make the LAST 5 years of having a mortgage.


    The 5 year plan is officially in place!
  • beanielou
    beanielou Posts: 95,935 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    :j :j :j :j :j
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    beanielou wrote: »
    :j :j :j :j :j

    Echoed!



    Here we go!
    Save
    2023: the year I get to buy a car
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