Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by whitter45
quote:
Originally posted by Ben G
quote:
Originally posted by deano87
Santander 123 cash back thing. Works ok.
Trouble is as our mortgage is with Santander it shows the balance every time I log in.
Same here. In 5 years the balance remaining has only reduced by 9k, despit paying in nearly a grand a month for the first 3 years and 750 for the next 2.
Depressing 
that's your issue - should have kept your payments at 1k even though your rate changed - that would have been another 6k off the bottom line
[Edited on 12-11-2015 by whitter45]
Rather live a little than be strangled by a big mortgage payment each month.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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This is why I spent my car savings to make my deposit larger. Rather have more free money a month.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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quote:
Originally posted by Nic Barnes
Breakdown cover per month isn't much less than £15. And tbh if £15 a month is a struggle, then I really don't know what to suggest? Overtime at work? New job?
£15 a month is no issue but as i say, it's another out going. However, as CS failed i'll have to pay this 
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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quote:
Originally posted by Kyle T
You used to get £5 back if you paid in a grand with halifax
This is still the case, i'm not sure how much you have to pay in though.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by Nic Barnes
This is why I spent my car savings to make my deposit larger. Rather have more free money a month.
The difference is up north your deposit is about 5k. We had to spend about 22k just to move in.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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paid more than 22k deposit.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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I bet that got you more than 10% though!
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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Yeah true.
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