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@thex Capital units would have been something from many years ago, your broker would have been taking very large commission and the capital units are how the life companies reclaim this commission they’ve paid out (possibly 60+% of your premiums). Capital units would only have been bought in...

@sally1996 For me anything too structural wouldn’t have been worth it, but I was kinda rushed

@sally1996 Anything in mine was minor, but if I had gone for a “needs repair” I’d have the repairs spec’d out in advance and professionals lined up for remedying the more serious issues. Decorative can wait, structurally sound and mould free would be a priority

@boagz57 Oh I know, but you can add those repayments to your savings and it’ll grow again quickly!

@boagz57 Similarly on year 2 of 5 fixed at rates that likely won’t be available when fixed ends. Because my current circumstances allow I’m saving with a view to paying down/off at the end of the fixed. If yours allow, you could be putting extra aside now to reduce the principle. If it’s...