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@foreveryounginchrist Nationwide. I have a very good LTV though. Not sure exactly but prob around 60% at this point

@bobsam 0.91% 5 year fix on a remortgage in 2021. Could have done 10 year for 1.1% and stupidly turned it down 😭 Not sure it’s particularly helpful for you to hear how some managed to luck out though…

@strivingforgodsglory This seems like a very complicated way of doing things and each complication adds risk. buying with your dad ties the two of you together financially. If either of you get into financial trouble in the future you will negatively affect the other. Ideally it’s best to...

@newcreation17 The scale is generally different and the costs of the debt are normally fixed so this doesn't really compare. Also note that paying into your pension is tax free so comes with an instant 20% minimum boost, which you are unlikely to save when paying off debts unless they are...

@gr3g But you also saved a minimum of 20% in income tax by contributing it and the money will have recovered somewhat since then and hopefully will continue to do so.

@landonnate you will need to register for a self assessment and pay tax on any income over your tax free allowance (~£12k so you have said you are a while away from that) you get £1000 per tax year as an initial buffer - you only need to report if you earn more than this amount in a tax year...

@graybuffalo Think about the cost of the new unit too, not just the energy costs…