UK, renting a two bed at £1,450 a month, and the equivalent flat two doors down sold last year at a price where the mortgage, service charge and ground rent alone would come to about £1,900 before any maintenance. I…
Ireland, €318,000 outstanding, fixed at 3.55% until 2030, and my lender allows overpayments up to 10% of the balance a year without penalty while I am fixed. I have €26,000 sitting in savings earning far less than the…
Canada, first purchase, pre approved directly with my own bank at a rate I suspect is mediocre because I did not negotiate and they know I have been with them since I was nineteen. A broker has offered to shop it and…
US, conventional loan, about $291,000 left at 6.1% with 26 years to run, and a $40,000 windfall I do not need for anything else. I would rather keep the 26 year term and lower the payment than shorten the term, because…
I kept my old one bed when I moved in with my partner rather than selling, mostly out of inertia, and I am now four years in with an agent taking 12% and a boiler that has needed two visits this year. On paper the rent…
Australia, Brisbane, first purchase, aiming for a deposit of around $110,000 and currently sitting at $71,000 in an ordinary savings account. My marginal tax rate makes the salary sacrifice angle look attractive on…
US, buying at around $420,000 with 20% down, and the 15 year quote is meaningfully below the 30 year rate but the payment is roughly $700 a month higher. Two incomes now, but we would like one of us to go part time in…