The Case of the Overwhelming Mortgage

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  • AgathaSquirrel
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    Interestingly I know the people interviewing me and they gave me every chance, including an extra question at the end to clarify an answer. It is all point based so I can only hope I have enough points from application, presentation and the few questions I did answer well. 

    It’s not the end of the world. I have a job, bills will be paid, it would have been a good opportunity - that’s all!

    Congratulations on your job greent 
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
  • killerpeaty
    killerpeaty Posts: 2,655 Forumite
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    No one does a perfect interview! Don't think about it now, there is no changing it!

    Regardless, well done on your interview. They are hugely stressful so getting through one is an accomplishment in itself.
  • AgathaSquirrel
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    Got the job 😃
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
  • FtbDreaming
    FtbDreaming Posts: 1,121 Forumite
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    Woohoo well  done!
    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £60,200 (59.9% LTV)
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
  • MalMonroe
    MalMonroe Posts: 5,783 Forumite
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    edited 12 July 2021 at 3:16PM
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    Hi, I'm very late to this party but just wanted to join in here to say congratulations!! I was drawn in by the thread title as I'm about to apply for a mortgage and wondered if there were any hints or tips I could pick up. 

    It was lovely to see that you had been successful with your job.   :)  
    Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
  • greent
    greent Posts: 10,671 Forumite
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    Whoop! Whoop! Congratulations!!!! X
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • AgathaSquirrel
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    Thank you. Not allowed to talk about it too much at the moment until all the HR stuff dealt with but very relieved.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
  • killerpeaty
    killerpeaty Posts: 2,655 Forumite
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    Congratulations! I am so pleased for you!
  • AgathaSquirrel
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    Smaller overpayment today but brings us down to 97000s. Mortgage payment and next overpayment will bring us down to 96000s. Working a bit less over the summer so less to throw at mortgage. Hoping to add another £100 a month to it when I go full time.

    Emailed payroll about increasing stakeholder pension contributions. Will see what they say.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
  • AgathaSquirrel
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    Another overpayment and now down to £96000s and £5.59 in daily interest. Asking pension questions on the other board but still not quite sure what to do. Payroll have let me know I need to contact SPPA to increase payments to my NHS pension or stakeholder so at least I know how to do it now.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
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