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  • FIRST POST
    • Tropically
    • By Tropically 12th Sep 16, 9:56 PM
    • 373Posts
    • 1,198Thanks
    Tropically
    Getting rid of a London-sized Mortgage
    • #1
    • 12th Sep 16, 9:56 PM
    Getting rid of a London-sized Mortgage 12th Sep 16 at 9:56 PM
    Hello,

    I tried to look for other situations which were like mine but you all seem to have everything so under control. You are all very inspiring so I thought I would put up my story too.

    I bought a house in June with my partner for 425,000 (London) and our mortgage is 318,000. Our mortgage payments are about the same as we were paying in rent but we have over 3 times the space now. Yes this a huge mortgage, no, we don't make a lot but the time came for us to buy instead of rent.

    Plan:
    1. Call bank tomorrow and see if I can 'round up' our mortgage which will cut off 2 years from the term.
    2. Get 10,000 in savings again as an emergency fund before over paying mortgage - I don't have any money at all any more.
    3. Get in a tenant from November 1st and rent the second bedroom for hopefully 700/month and apply that as over payments.

    It would be amazing if we could pay off the mortgage 10 years early. I would be just over 40. I have a lovely spreadsheet which calculates all of this for me. If we were to only apply the extra rental money to the mortgage, we would be able to pay off 10 years early.
Page 1
    • CathT
    • By CathT 13th Sep 16, 5:53 AM
    • 6,259 Posts
    • 43,446 Thanks
    CathT
    • #2
    • 13th Sep 16, 5:53 AM
    • #2
    • 13th Sep 16, 5:53 AM
    Hi tropically. There are a few mfw with supersize southern mortgages.Tilly had a similar mortgage and is now mortgage free.a

    Good luck, the overpasyments really add up and make a difference. Having a diary is key too. You will find lots of tips and support on here.
    Nov 2019 - part 1 - 66,153 part 2 - 42,004
    Total - 108,157 96 months to go!
    • rasputin_thorpedo
    • By rasputin_thorpedo 13th Sep 16, 6:16 AM
    • 402 Posts
    • 2,808 Thanks
    rasputin_thorpedo
    • #3
    • 13th Sep 16, 6:16 AM
    • #3
    • 13th Sep 16, 6:16 AM
    Hello! I started off with 185k and after a year am now at 165k. I'm on the south coast.

    Well done for taking the initiative to join us, and it depends on your approach but if you want some thrift, check out my threat,

    Man v Mortgage
    Last edited by rasputin_thorpedo; 30-03-2017 at 8:26 PM.
    Baby Step 1 - 1k Emergency Fund - COMPLETE
    Baby Step 2 - Pay off all debts except the Mortgage - 9,326 to go
    Baby Step 3 - Save 6 months of expenses into full Emergency Fund - 4,300 to go

    Baby Step 4 - Put 15% into Pension
    Baby Step 6 - Pay off the Mortgage early
    Baby Step 7 - Live like no-one else
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 13th Sep 16, 6:21 AM
    • 1,982 Posts
    • 36,779 Thanks
    Secret Saving Squirrel
    • #4
    • 13th Sep 16, 6:21 AM
    • #4
    • 13th Sep 16, 6:21 AM
    It sounds like a very good plan, good luck with it. Having a lodger will help a lot, but if you can just keep out of shops as much as possible, which is not easy in London, and reduce spending, you will soon see a massive reduction in outgoings. Why not try a no shopping day, followed by two days, then three.... If you don't go into a shop for one thing, there is far less chance of coming out with three things!
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Moneyfordreams
    • By Moneyfordreams 13th Sep 16, 8:23 AM
    • 1,521 Posts
    • 7,172 Thanks
    Moneyfordreams
    • #5
    • 13th Sep 16, 8:23 AM
    • #5
    • 13th Sep 16, 8:23 AM
    So you have to be a mixture of everyone

    Good luck
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3500cc, Hfx 6700, NW 5750 M&S 1200, car 5500.
    CC 17150 , it's coming down
    • Tropically
    • By Tropically 13th Sep 16, 3:42 PM
    • 373 Posts
    • 1,198 Thanks
    Tropically
    • #6
    • 13th Sep 16, 3:42 PM
    • #6
    • 13th Sep 16, 3:42 PM
    It sounds like a very good plan, good luck with it. Having a lodger will help a lot, but if you can just keep out of shops as much as possible, which is not easy in London, and reduce spending, you will soon see a massive reduction in outgoings. Why not try a no shopping day, followed by two days, then three.... If you don't go into a shop for one thing, there is far less chance of coming out with three things!
    Originally posted by Secret Saving Squirrel
    Definitely good advice. I am going to try to go for a No-Spend October and only pay for travel and food from a supermarket (not out.) It's eating out that is a big killer.

    I have encountered the first obstacle. I tried to arrange an overpayment of my mortgage today. I asked if I could round up to the nearest 100. They told me that I would have to make an entirely new application. I would have to fill out the financial forms again and have two 40 - 50 minute conversations with the financial advisors to assess affordability. This seems excessive for an extra 50/month contribution. Is this normal? Why wouldn't they just round it up, given that I'm certainly not going to have a mortgage with them in 23 years and the rounding only cuts off 2 years?
    • Tropically
    • By Tropically 13th Sep 16, 3:54 PM
    • 373 Posts
    • 1,198 Thanks
    Tropically
    • #7
    • 13th Sep 16, 3:54 PM
    • #7
    • 13th Sep 16, 3:54 PM
    So I have now worked up a Statement of Affairs. I have spent the last two years collating and collecting data on our expenditures so this budget is from 2 years of real data. I split everything into separate accounts so things like gifts are saved up along the way. There is a glaringly obvious way to save sitting under that 'Entertainment' category... I know that it is truly terrible...


    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 0
    Number of cars owned.................... 0

    Monthly Income Details

    Monthly income after tax................ 2250
    Partners monthly income after tax....... 2000
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 4250


    Monthly Expense Details

    Mortgage................................ 1309
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 75
    Electricity............................. 20
    Gas..................................... 10
    Oil..................................... 0
    Water rates............................. 42
    Telephone (land line)................... 0
    Mobile phone............................ 30
    TV Licence.............................. 0
    Satellite/Cable TV...................... 7.99
    Internet Services....................... 23
    Groceries etc. ......................... 300
    Clothing................................ 100
    Petrol/diesel........................... 0
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 280
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 20
    Contents insurance...................... 20
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 70
    Haircuts................................ 0
    Entertainment........................... 700
    Holiday................................. 400
    Emergency fund.......................... 300
    Charity................................. 100
    Total monthly expenses.................. 3806.99



    Assets

    Cash.................................... 0
    House value (Gross)..................... 425000
    Shares and bonds........................ 2500
    Car(s).................................. 0
    Other assets............................ 0
    Total Assets............................ 427500



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 318000...(1309).....1.75
    Total secured & HP debts...... 318000....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Total unsecured debts..........0.........0.........-



    Monthly Budget Summary

    Total monthly income.................... 4,250
    Expenses (including HP & secured debts). 3,806.99
    Available for debt repayments........... 443.01
    Monthly UNsecured debt repayments....... 0
    Amount left after debt repayments....... 443.01


    Personal Balance Sheet Summary
    Total assets (things you own)........... 427,500
    Total HP & Secured debt................. -318,000
    Total Unsecured debt.................... -0
    Net Assets.............................. 109,500


    sorry to Stoozing - I can't post links.
    • MallyGirl
    • By MallyGirl 13th Sep 16, 4:07 PM
    • 4,036 Posts
    • 9,471 Thanks
    MallyGirl
    • #8
    • 13th Sep 16, 4:07 PM
    • #8
    • 13th Sep 16, 4:07 PM
    So I have now worked up a Statement of Affairs. I have spent the last two years collating and collecting data on our expenditures so this budget is from 2 years of real data. I split everything into separate accounts so things like gifts are saved up along the way. There is a glaringly obvious way to save sitting under that 'Entertainment' category... I know that it is truly terrible...


    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 0
    Number of cars owned.................... 0

    Monthly Income Details

    Monthly income after tax................ 2250
    Partners monthly income after tax....... 2000
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 4250


    Monthly Expense Details

    Mortgage................................ 1309
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 75
    Electricity............................. 20 Brilliantly low - bravo
    Gas..................................... 10Brilliantly low - bravo

    Oil..................................... 0
    Water rates............................. 42 would probably be cheaper with a meter when there are just 2 of you
    Telephone (land line)................... 0
    Mobile phone............................ 30
    TV Licence.............................. 0 No?
    Satellite/Cable TV...................... 7.99
    Internet Services....................... 23
    Groceries etc. ......................... 300 You can drop this by 100
    Clothing................................ 100
    Petrol/diesel........................... 0
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 280
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 20
    Contents insurance...................... 20
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 70
    Haircuts................................ 0
    Entertainment........................... 700 My word!
    Holiday................................. 400
    Emergency fund.......................... 300 Where is this now - you have no cash assets? Or is it a plan for the future?
    Charity................................. 100 Very generous but can you afford it?
    Total monthly expenses.................. 3806.99



    Assets

    Cash.................................... 0
    House value (Gross)..................... 425000
    Shares and bonds........................ 2500
    Car(s).................................. 0
    Other assets............................ 0
    Total Assets............................ 427500



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 318000...(1309).....1.75
    Total secured & HP debts...... 318000....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Total unsecured debts..........0.........0.........-



    Monthly Budget Summary

    Total monthly income.................... 4,250
    Expenses (including HP & secured debts). 3,806.99
    Available for debt repayments........... 443.01
    Monthly UNsecured debt repayments....... 0
    Amount left after debt repayments....... 443.01


    Personal Balance Sheet Summary
    Total assets (things you own)........... 427,500
    Total HP & Secured debt................. -318,000
    Total Unsecured debt.................... -0
    Net Assets.............................. 109,500


    sorry to Stoozing - I can't post links.
    Originally posted by Tropically
    It is great that you have accurate figures. It makes it very easy to spot the easy win.
    I'm a Board Guide on the Debt-free Wannabe, Loans & Credit Cards boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Board guides are not moderators and don't read every post. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com
    Any views are mine and not the official line of MoneySavingExpert.com.
    • rasputin_thorpedo
    • By rasputin_thorpedo 13th Sep 16, 6:46 PM
    • 402 Posts
    • 2,808 Thanks
    rasputin_thorpedo
    • #9
    • 13th Sep 16, 6:46 PM
    • #9
    • 13th Sep 16, 6:46 PM
    I echo Mally (nice work on the annotations!)

    I'm on my own and water is 10pcm, Shop Food 80pcm. I also don't have a TV licence

    Entertainment - if you feel you're getting value and real enjoyment, great. If you don't DITCH some of it. I don't think I could spend 700pcm if i tried.

    Charity... that's your values set, and your choice. But over 20 years for your mortgage, that's TWENTY FOUR THOUSAND POUNDS - even more when you take into account you could eliminate mortgage interest/accrue savings interest on it yourselves. My approach would be to say that I will spend a lot more time and donation on charity in my retirement when I need to be occupied.

    Just my thoughts, do what is best for you.
    Baby Step 1 - 1k Emergency Fund - COMPLETE
    Baby Step 2 - Pay off all debts except the Mortgage - 9,326 to go
    Baby Step 3 - Save 6 months of expenses into full Emergency Fund - 4,300 to go

    Baby Step 4 - Put 15% into Pension
    Baby Step 6 - Pay off the Mortgage early
    Baby Step 7 - Live like no-one else
    • Tropically
    • By Tropically 13th Sep 16, 11:03 PM
    • 373 Posts
    • 1,198 Thanks
    Tropically
    It is great that you have accurate figures. It makes it very easy to spot the easy win.
    Originally posted by MallyGirl
    Our actual water monthly is much lower - we usually end up lower than a 'one person' household around 20/month. But the monthly price now is a bit high because I am also paying for the last 8 months of water in monthly installments. When I moved into this house, there was no water meter and I got a bill of a whopping 500 for January to June 2016 at the old place, and June 2016 to June 2017 in the new place. I had them install a water meter instead (which they did very efficiently). The bill that I am paying now is for our monthly water plus the last 8 months as well. We aren't paying any late fees and I didn't get marked as overdue or anything, that's just how it ended up when I switched accounts.

    We only watch Netflix - I don't even watch BBC iPlayer.

    We DID have a lot of cash savings - it has all gone to the house because we wanted to get the rate associated with 75% LTV. Goal number 1 is to replenish that. It is incredible how much things around the house add up. 300 for a washing machine, 100 for paint etc.

    The charity aspect is important to me. Only about 60 of that is committed monthly deposits split between my partner and I. The other goes to support people's charity runs, bake sales, donations etc. I am incredibly lucky and giving a small amount to charity is the least I can do.

    My food calculation is a bit naughty because it includes lunches during work hours at Pret etc. Those SHOULD belong in the 'entertainment' category and SHOULD be 0 - I can make my own lunch. It is also surprisingly easy to spend 700 between two on entertainment...
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 14th Sep 16, 5:46 AM
    • 1,982 Posts
    • 36,779 Thanks
    Secret Saving Squirrel
    Council tax, gas and electricity do seem exceptionally low. A house with the value of yours would usually be about 200 for council tax. Are the utilities possibly weekly rather than monthly figures?

    Nice to meet a fellow spending tracker!
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Lrimas
    • By Lrimas 14th Sep 16, 9:40 AM
    • 192 Posts
    • 277 Thanks
    Lrimas
    If you feel like you should spend 100 on charity then you should. You are not in debt and if you can afford 700 on entertainment then you can more than afford 100 on charity

    Our mortgage is similar (down to just 300k from 320). We earn a fair bit more but we are also a bit older (I think we were on roughly the same salary at your age, and I now wish that I'd bought a house then instead of wasting all my money on "things") - in a few years time your mortgage payment might be almost a non issue.

    Good luck with your journey! I look forward to see how you get on.
    Last edited by Lrimas; 14-09-2016 at 9:43 AM.
    • Mortgage Minimiser
    • By Mortgage Minimiser 14th Sep 16, 3:36 PM
    • 201 Posts
    • 876 Thanks
    Mortgage Minimiser
    Hi,

    Welcome. I shall follow with interest - my mortgage started at 243,750 last year.....and I'm in the North of England.

    Good luck! I just wish my Council Tax was as low as yours - mine is over double that.

    MM
    x
    2016 MFW#46 O'Pd- 3641.26; 2017 MFW OP'd 7779.28 ; 2018 MFW OP'd 11,515.16
    MFiT-T4 # 59 - reduce mtg to 195,000; MFit-T5 - reduce mtg to 140,000
    Mortgage at start (01/2/2015) - 243,750. @31/12/15 - 235,906.71. @31/12/16 - 224,120.98. @31/12/17 - 210,224.06. @31/12/18 - 190,821.21
    Mortgage today 174,873.24
    • LadyGnome
    • By LadyGnome 14th Sep 16, 4:10 PM
    • 480 Posts
    • 1,741 Thanks
    LadyGnome
    Welcome, another one with a London mortgage here.
    310K in Nov 2012 down to 261K this month.

    The little things do make a difference. I take my breakfast and lunch to work most days and make my own tea and coffee. It is a fairly straightforward thing to do but it adds up over time.


    A big mortgage can feel like a long haul to pay off so I would suggest setting interim goals. I usually focus on 1% (3,100) hence my OP target for the year. I have also set a few bigger goals like below 260K by Nov so I have paid off the first 50K. The other thing I do is not focus all my finances on the mortgage. I put money away for holidays, days out and for my children because I can't impose frugality for the next decade.


    Best of luck.
    Mortgage
    Start Nov 2012 310,000
    June 2019 215,842.73
    Reduction 94,157.27

    End Oct Sept 2034 but I have a cunning plan...
    • MallyGirl
    • By MallyGirl 15th Sep 16, 11:55 AM
    • 4,036 Posts
    • 9,471 Thanks
    MallyGirl
    The little things do all add up.
    I have an offset mortgage - basically our mortgage is a massive overdraft - so play the game to maximise daily interest calculations by putting everything on cards and only paying when I have to. I have managed to stooze a fair bit onto 0% cards but the standard interest rate one gets paid in full each month (my current 0% on purchases is Amex and not everyone accepts that so I also have a points earning mastercard).
    We are old enough that we have had 2 endowments mature this year with the final 1 in Jan 2017 and that has really eaten into the remaining balance. Add in a redundancy, where we went very frugal till OH got another job, and we have managed to get the mortgage balance down from 225k in Feb '14 to 42k (plus 36k on 0% cards) today.
    I find it motivating to record it all in a spreadsheet with a pretty graph pointing downwards (mostly, although we have built an orangery and replaced both cars in the last 3 years).
    Good luck
    I'm a Board Guide on the Debt-free Wannabe, Loans & Credit Cards boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Board guides are not moderators and don't read every post. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com
    Any views are mine and not the official line of MoneySavingExpert.com.
    • chelseablue
    • By chelseablue 15th Sep 16, 12:07 PM
    • 2,936 Posts
    • 3,424 Thanks
    chelseablue
    What is the 700 a month for entertainment used on? Also your council tax looks very low.


    I have a South East mortgage too, 228,000
    • katep23
    • By katep23 17th Sep 16, 7:40 AM
    • 1,371 Posts
    • 9,572 Thanks
    katep23
    Another one here with a London-sized mortgage (330K) although I am in the southwest.

    MallyGirl, that's really inspiring. I have an offset and stooze (using money transfers rather than every day spending) so it's amazing to see how it adds up!

    • tootallulah
    • By tootallulah 17th Sep 16, 8:35 AM
    • 2,185 Posts
    • 7,659 Thanks
    tootallulah
    Welcome and many congratulations on getting your new home. You sound very savvy already which will make this interesting. I go along with those who say getting smaller targets works. When my mortgage was your size I aimed to pay off 500 per month plus the interest which gave me a monthly goal. I like the idea of targeting 1% at a time - 3100 seems eminently doable. Also the first year in a new place is expensive getting anything paid off in yr 1 is a real achievement, it does get easier once the mind set is there. It's a marathon so I would keep the entertainment budget it is important to enjoy life along the way.
    Mortgage House 68,000 July 2019, Aug 67k, Sep 66k.
    • Tropically
    • By Tropically 17th Sep 16, 9:29 AM
    • 373 Posts
    • 1,198 Thanks
    Tropically
    What is the 700 a month for entertainment used on? Also your council tax looks very low.
    Originally posted by chelseablue
    I did have another look at the council tax, and I did make a mistake, the council tax should be 1,050. The bill that I paid was until April, not a full year.

    The entertainment bill covers: all cash that is taken out, beer, wine, going out, going to restaurants, nights out, theatre tickets, weekend breaks and small holidays to other UK cities, train tickets to visit the boyfriend's family, event tickets etc. It also includes kindle books and some games, although those are rare.

    We cut back on entertainment a lot in the last 6 months to year before we bought the house and it has affected our relationship substantially. The data uses entertainment before Jan 2016. We will start to reduce it. This week:

    I asked for a payout on my market research panel that I did - 135 in John Lewis vouchers. When I spend them I will transfer that amount in cash to my overpayment account.

    I got a refund on some of my train journeys where I was delayed for over 30 minutes, around 10.

    I have discussed having a 'no spend October' from my next paycheque at the end of September. I got my boyfriend to agree but he has a hard time resisting spending - we will see how it goes.

    I made a complaint with my bank because when I got the mortgage, I specifically asked if I could make overpayments. Apparently, we can't make regular overpayments to reduce the term. They said that they would write me a letter outlining this, so I hope I will be able to understand.
    • Tropically
    • By Tropically 18th Sep 16, 10:54 PM
    • 373 Posts
    • 1,198 Thanks
    Tropically
    I have been trying to convince my partner of the value of paying off our mortgage early and being a bit more frugal. He has a complicated relationship with money. He feels very emotional about it sometimes. He feels guilty when he buys things and feels guilty when he doesn't have any. He was quite poor growing up and so it is way more complicated for him than it is for me. He has been feeling really down and upset about not having much money following buying our house. Aside from the house, furnishing it, painting it, and fixing the critical things raised in our HomeBuyers Report has really drained our resources. He feels bad about it - but still manages to spend so much.

    August was our first proper month of expenses in the new house because we were away in July. This was 'Before Mortgage Free Wannabe', so this was old budget and this is what we are going to cut back on.

    House - 1800 into our joint savings accounts where the bills come from. All our bills are very efficient and this is designed to allow a surplus to build up for house emergencies.
    Charity - 42.50
    Food - 233
    Naughty Food - 127.92, this should be 0 and covers lunch out and takeaway
    Phone - 57
    Shopping - 400, we had to buy a lot of house stuff
    Transport - 295
    Zipcar - 262, unusual cost to cover all the ikea trips that we had to do to furnish the house
    Netflix - 7.49
    Long-term savings - 300
    Entertainment - 783.12

    How could we spend EIGHT HUNDRED POUNDS on entertainment? That is more than half our mortgage. How could we spend so much - let's look.

    Boyfriend took out cash - 40
    Boyfriend took out cash - 50
    Dinner out - 35.2
    A craft night for me - 10
    A drink out before dinner - 10.13
    I took out cash - 20
    Dinner - 12
    Boyfriend took out cash - 30
    Pint - 5.35
    Boyfriend took out cash - 40
    Pint - 4.15
    Tickets to a show - 23
    Boyfriend Cash - 30
    Dinner with friends - 56
    Dinner with friends - 40
    Dinner - 31.98
    Pub lunch - 14.65
    My cash - 20
    Mini weekend break - 76
    Boyfriend's cash - 30
    Pub - 35.15
    Dinner - 7.9
    Boyfriend's cash - 30
    Dinner - 15
    Pub - 15.60
    Drinks - 13.10
    Cinema - 11.89

    We clearly have a cash problem. Cash is easy to spend and I can't track where all his cash is going - 250 per month of money which has evaporated. He can't really remember where it went and said that much of it probably went on lunch. I asked him to please put things on card because it allows us to identify where we can cut back. For example, if it is work lunches then we can make more work lunches or spend more time making them more delicious.

    I think he is on board for the No Spend October I want to do. I am planning to budget maybe 100 for entertainment for the month and only pay for transport and food.

    Overall I feel hopeful, we clearly can make a lot of gains.
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