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Nightmare neighbours are, well… a nightmare. And something that worries me about potentially moving, it’s such an unknown. I’d be wanting to leave ASAP too, it’s hard when your home is your sanctuary and then something intrudes on that.Debt at LBM (Dec 2018): £23,167
Debt free Feb 20213 -
No harm in playing around with ideas & numbers.
Nothing worse than dire neighbours.
We all spend a lot of time in our home.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.3 -
Is your mortgage portable to a new place or would you have to start again?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
My broker has to check about the mortgage portability as it says it's not portable but then there is confusing wording right under that. I've always been of the understanding that it's not portable.
I'm tiptoeing around the flat and they're just going about their daily lives making more noise than ever. I just can't live in a flat anymore.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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It's good when you have reasonable neighbours. We have lived here 13.5 years and never had any real trouble until this year. The woman who owned the flat downstairs sold it at the end of last year to a housing association and there's been nothing but bother since. It's the worst stair in the street. I'm not going to start about it as it would take up a few pages. Treasure your good neighbours if you have them.astrocytic_kitten said:Nightmare neighbours are, well… a nightmare. And something that worries me about potentially moving, it’s such an unknown. I’d be wanting to leave ASAP too, it’s hard when your home is your sanctuary and then something intrudes on that.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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I've just signed up to a new broadband provider as my current deal is up next month. Just need to remember to cancel it on Monday (30 days' notice). £3 less a month than the current one and hopefully some cashback. Also, we can take it with us when we move if we're still in contract (12 months).Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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The mortgage is portable! The lender is working on sorting out the wording on their illustrations but it is a known (by them) error. Great news.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Brilliant news!Debt at LBM (Dec 2018): £23,167
Debt free Feb 20214 -
Great news! Nothing worse than nightmare neighbours, especially in flat/terraced/semi. We want to live away from people if we can for that reason.4
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Great news on the mortgage... exciting stuff. I would move in your shoes tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253
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