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    Anyone care to speculate on the mortgage situation next summer? I'm losing my mind with worry

    @anotherklutz Looking at your numbers you had at £142,500 mortgage over 40 years? And your maximum budget is £1,500/m To reach £1,500/m on £132k over 35 years (bank) interest rates would need to be 13.5% This is way higher than anyone is seriously predicting.
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    MSE overpayment calculator suggesting it is better to overpay a 3% mortgage than save interest at 4.5%

    @rnblessings Okay so at 25 years either way you'd own a house outright £400/m for 25 years nets £102,297 interest £400/m for 25 years leaves you with a balance of £222,296 If you took the mortgage payment + repayment into the 4.5% saving account after paying off the mortgage (so for 10 years)...
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