I would just like to say

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Stanleysteamer said:
Do it but give em enough notice to avoid any fine. (Presumably you mean early pay off penalty or somesuch?) Three months is normal. Yep sure tis worth it, we did it on two houses, never regretted it. In fact it helped us get the place in France. And make sure the interest is worked out daily and thus drops as you pay back the capital, used to be called an "australian" mortgage. So you pays it off faster. (Daresay all are like it now but they weren't when we were doing it.)
Go for it!
Click to expand...
Intrest be cowculaytid each wurkin day. Modurn morgig's be charged ut 1% per yeer left typically. Mine is. My five yeer fix rate as free unna bit left. When it goes frompt for ter free yeer it changes frompt 4% ter 3% charge. Eye can over pay by 10% per yeer on wots oat standin ut beginnin ov that yeer wiv no charge. After that the charge applys. Cownt resets ut beginning ov each yeer. Dunt need ter give nowtice. Just transfer ter morgig accownt.
 
Hippo said:
Eye as bin lukkin ut me morgig un fink eye can put er lumpy bit onnit ter end it soona so eye pay the bastids less intrest. Eye gerra fine burreye still be betterer oft afta fine sowwit still be wurffit.
Click to expand...

Stanleysteamer said:
Do it but give em enough notice to avoid any fine. (Presumably you mean early pay off penalty or somesuch?) Three months is normal. Yep sure tis worth it, we did it on two houses, never regretted it. In fact it helped us get the place in France. And make sure the interest is worked out daily and thus drops as you pay back the capital, used to be called an "australian" mortgage. So you pays it off faster. (Daresay all are like it now but they weren't when we were doing it.)
Go for it!
Click to expand...
Different lenders obviously may have different rules. I am with the TSB with 7 years to run, and am currently on a 5 year fixed. I can overpay up to 10% of the balance as of the 1st of the year at any time within that year without incurring penalties. This way I will have almost nothing left to pay at the end of the fixed period, but may also opt to pay off the full balance early and pay a premium for doing so.
:)
 
Maybe you need to upgrade.
Twice the power apparently ;)

GrippingDimwittedHalcyon-size_restricted.gif
 
Morning ev-body..

Stunning morning here I hope all is well :)
Only noise was a Jewson lorry delivering up the road & some kids off to school
& NO FKN SEAGULLS :D:D:D:D:D

Got a msg from a mate says his car has failed its mot on a wee bit of welding, I did warn him not
to put it in before id looked at it I jacked it up about 6 months ago to remove the exhaust heat shield
as it was hanging off & I could poke the carpet from underneath lol
7953510E-8889-40DF-8C17-95F2DE7B5CA2.JPG


I did laugh at the major defect repair immediately, a misaligned headlight wtaf o_Olol
 
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