Dipping my orange toes into the water..

Orangetoes

Thanks @Moneyfordreams well two hours on the phone on Tuesday and we are getting there!
Looks like new rate will be 3.94% not the 1.74% we have now but not the 6% quoted late last year. 
The good news is we should be able to reduced the term to 9 years (currently 11 years 11 months) by choosing to commit to an overpayment.
One more phone call on Thursday to finalise.
Feel like 9 years will make me extra committed. Once that is paid off the fuj can begin! 

Orangetoes

Fun not fun!

Orangetoes

Phone call done and application in for 8 years six months. A reduction of 3 years and 5 months!! 
Fingers crossed it all goes through! 🍀

Orangetoes

Gah it's never easy is it. My dh went to confirm his part fi the mortgage and the valuation of our house is £160k lower than in should be and the figure discussed during the application...gah. Hoping it all goes through next week. 

Orangetoes

£500 OP. Creeping ever closer to the 230s!
Dad's birthday today so have made him afternoon tea at home. So much cheaper than going out..

Orangetoes

And we're in the 230s!!!!!

239,949.42

Currently doing a victory lap

Orangetoes

Also scores 75% in my last MEd assignment. Currently on assignment 3 ..so trying to focus on the positives of the last one, and not stress about this one!

Orangetoes

Mortgage rate secured 3.89...not the 1.74 we had bit could be a lot worse.
We are overpaying so the mortgage term is now 8 years 6 months. So 2031!

Orangetoes

Also managed to win the school quiz heads and tails game. Random pineapple knowledge! Won a night in a fancy hotel! Now have to plan when to use it! 

Orangetoes

So just like that it is June which means bye bye to our precious 1.74!! 
On the plus side, I'm glad we fixed as it looks like the rates are set to go up not down in the short term at least.
Half term here. Loving the sunshine. Need to get a grip of my weight which is out of control. Off to France is july so setting myself a 7 pound loss challenge. 😎🤞