We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Using pension to pay off mortgage...or buy physical gold

13»

Comments

  • pensionpawn
    pensionpawn Posts: 1,059 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    westv wrote: »
    Don't a lot of lenders exclude drawdown income when calcuĺating affordability?

    I don't know the exact details as I haven't researched in depth. However that does seem to fly in the face of the new REO mortgages, especially as a draw-down could be from a pot close to £1M. It is easily possible to have a (net) income in retirement greater than most of your previous salaried incomes.
  • westv
    westv Posts: 6,611 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I don't know the exact details as I haven't researched in depth. However that does seem to fly in the face of the new REO mortgages, especially as a draw-down could be from a pot close to £1M. It is easily possible to have a (net) income in retirement greater than most of your previous salaried incomes.
    What's a REO mortgage?
  • pensionpawn
    pensionpawn Posts: 1,059 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    westv wrote: »
    What's a REO mortgage?

    Sorry, my mistake, misspelling. RIO mortgage. Retirement Interest Only.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.5K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.4K Work, Benefits & Business
  • 604.2K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.