- Location
- Somewhere wet & hilly in NW England.
No two ways about it - with rates having been so artificially low for so long there's a hell of a shock not far up the track for a lot of people.
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No two ways about it - with rates having been so artificially low for so long there's a hell of a shock not far up the track for a lot of people.
- Location
- Somewhere wet & hilly in NW England.
@oldfatfool
We've just dumped a wodge in here @ 2.15% which is not bad in today's market:
https://uk.virginmoney.com/savings/find/5_year_fixed_rate_cash_e_isa_issue_268/overview/
We've just dumped a wodge in here @ 2.15% which is not bad in today's market:
https://uk.virginmoney.com/savings/find/5_year_fixed_rate_cash_e_isa_issue_268/overview/
U
User33236
Guest
[QUOTE 4956538, member: 45"]We looked at a brand new duplex a few years ago with a view to buying. The bedrooms were huge. Downstairs there was a toilet, a fairly big hall and then one small lounge/diner with a little kitchen through an archway. They seem to be designing houses backwards.[/QUOTE]
Similar to what we are in process of buying.
Downstairs has a huge hall with 'cloakroom' (aka toilet) and living room with kitchen off. Upstairs have huge landing with two double bedrooms, both with large ensuites, and a very large 'utility room'. Overall its got 40% more space than the three bed property we had down south.
Whilst not everyones cup of tea it will work great for Mrs SG and I with plenty of storage for our fleet of bikes. Plus gives overnight guests their own space
Getting a mortgage has been a PIA due to all the extra checks they insist on doing now that they didn't bother with 15 years ago.
Similar to what we are in process of buying.
Downstairs has a huge hall with 'cloakroom' (aka toilet) and living room with kitchen off. Upstairs have huge landing with two double bedrooms, both with large ensuites, and a very large 'utility room'. Overall its got 40% more space than the three bed property we had down south.
Whilst not everyones cup of tea it will work great for Mrs SG and I with plenty of storage for our fleet of bikes. Plus gives overnight guests their own space
Getting a mortgage has been a PIA due to all the extra checks they insist on doing now that they didn't bother with 15 years ago.
oldfatfool
Guru
Risky locking away for 5 years rates are due to rise and once they start.....
gbb
Legendary Member
- Location
- Peterborough
My former colleague, young and setting out in life really want s to get on the ladder. He only sees the current low rates as a good thing...which of course they are but he didn't seem to grasp at some stage, they WILL go up and i suggestec he'd better have a contingency plan (spare funds) if they did.
gbb
Legendary Member
- Location
- Peterborough
If they have then so much the better...but have they or do they plan to ?...i bought it was something the government was considering.
It's an outrage really, no reason for leasehold on houses other than to screw more cash out of owners. That said, I'm amazed some people didn't ask the most basic question when buying.
- Location
- Somewhere wet & hilly in NW England.
Not really - if rates rise and the return made by switching to a new ISA is greater than the closure fee (ie loss of x days interest etc) on the old ISA, then you are still ahead of the game.
