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@amazingayla With interest rates going to rise and a record lowest 10 year fixed, announced the other day. Might want to factor that into the equation.

@jewelz613 4% of £25k is £1,000. 8% of sweet f’all is £0. Unless you are likely to blow it all in the casino or illicit substances. Keep control of it yourself.

@christianr_ £50k child allowance limit increasing to £60k and tapering off at £80k from April. Rather than the £60-£60k band now. As for using pension to escape the loans portion. While technically possible, it’s more financially punitive than the headline figures suggest.

@proudpa2 Other have said you’re fine. Some points to add. NI is going to be £60 a month less from next months. Negating your energy bill increases. If you’re going for a 30 year mortgage. Just secure as long as you can get them choose to overpay. Keeps grantees monthlies down and assuming...