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@deebouchie I found it absolutely impossible to get a mortgage on a fixer upper. (Kitchen had been ripped out, bathroom needed to be ripped out and boiler had been removed). Couldn't get a bank to mortgage it because it wasn't habitable. This was before the vacant home grants. Far as I can...

@trevayne If the milage limit on the Mazda is enough for you I'd buy the cheapest possible piece of shite and insure that as the main car and just never use it.

@trevayne I don't get it? Just drive the Mazda full time, you only do one long trip a week and you get paid milage for it.

@analogica Not going to help you now but a bit of advice. I have an overdraft of 1000 euro, I never ever use it but it's saved my skin a few times when I've forgotten about a direct debit (I generally don't keep money in my current account and transfer into it a few days before I know a DD is...

@feudum Fyi all Toyotas come with a 10 year 185k km warranty and 15 year hybrid battery warranty If you service with Toyota (which is quite cheap). Same for lexus. So you could buy a cheaper used Toyota/lexus hybrid and have warranty. IMO id stick with your current car and save money twords...

@buzzard Sell the rental property or move in to it. Also some credit unions will do a consolidation loan, likely at much lower rates than the bank loans you have. You might be eligible for one of those.

@boagz57 That was my logic in going for the 10 year at the time, broker strongly advised I go for the 5 year fixed and I'm glad I didn't listen to him

@boagz57 Personally wouldn't fix for 20 years in the current climate 3-5 would probably be what I'd be looking at if I were you. Everything's a gamble though. I fixed for 10 in 2022 and I'm raging I didn't fix for 15 at the same rate.

@aybuqui At a glance, you're not comparing properties like for like. I don't think there is a rental anywhere in the country that's worth 400k that you could rent tomorrow for 1500 PCM Find the rent price and cost price for a similar houses in a similar areas.