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@captainfarkus Your LTV will be low so you could do an equity release. It doesn't have to be one or the other either, can be a mixture of both.

@captainfarkus You fail to say what if you need the money right around the time there's a big correction in the market. A smoothed average will give you a positive return in the future but at a single point in time it could be negative. So it's not correct to say volatility isn't an issue

@zachariahs If you want an electric car, you'll need to have your own driveway and charger

@telemachus1 No paperwork with PTSB if you're happy to have it in the credit account. If you want a monthly recurring overpayment you need to fill out a form but can overpay lump sums by transferring the money

@chirpyluna No you don't, you have to do that to have it deducted from the capital