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Started by loanarranger, 23-12-2015, 18:43 PM
279 responses
21,182 views
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Last Post loanarranger  
Started by VictoriaH, 21-10-2018, 18:08 PM
2 responses
15 views
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Last Post Gordon999  
Started by Gordon999, 14-10-2018, 09:26 AM
16 responses
150 views
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Last Post hech123
by hech123
 
Started by Wannadonnadoodah, 20-10-2018, 16:17 PM
2 responses
39 views
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Last Post Gordon999  
Started by logan5, 07-10-2018, 10:01 AM
20 responses
303 views
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Last Post rfph1
by rfph1
 
Started by Raiden328i, 13-09-2016, 09:19 AM
41 responses
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Last Post tatemono  
Started by Johnwb89, 18-10-2018, 13:12 PM
3 responses
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Last Post boletus
by boletus
 
Started by ryan90, 16-10-2018, 09:11 AM
1 response
36 views
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Last Post Gordon999  
Started by eshjie, 16-10-2018, 09:56 AM
11 responses
158 views
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Last Post loanarranger  
Started by boletus, 15-10-2018, 09:47 AM
4 responses
50 views
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Last Post loanarranger  
Started by Eigentum, 18-09-2018, 20:58 PM
11 responses
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Last Post Eigentum  
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  • Libor v Base Rate
    VictoriaH
    My present bank only lends on Libor. I've taken my last 3 mortgage out with them on Libor + 3.25%
    Is this risky?...
    21-10-2018, 18:08 PM
  • Reply to Libor v Base Rate
    Gordon999
    If your question was about the interest rate Libor +3.25%, Libor rate ( for 3-6 months ) is currently about 0.905 %.

    So you are paying approx 4.2% interest rate and I would expect you get notification of new rate from the bank.


    If you can change to a 5 years...
    21-10-2018, 23:02 PM
  • Reply to Libor v Base Rate
    Gordon999
    I found this on the pimco website:
    SOFR and other alternatives to Libor: recent developments

    Over the past year, industry leaders and regulators have articulated tangible steps to implement alternatives to Libor, laying the foundation for markets to reference and build liquidity around...
    21-10-2018, 22:38 PM
  • How money is created :
    Gordon999
    Here is something everyone should try to understand : How money is created :

    Money is more than banknotes and coins. If you have a bank account, you can use what’s in it to buy things, typically with a debit card. Because you can buy things with your bank account, we think of this...
    14-10-2018, 09:26 AM
  • Reply to How money is created :
    hech123
    Still watching but not a great beginning..............."The system which is ultimately responsible for the inequality in our society today. The system which has kept them atop the financial food chain for the last 100 years"

    This all sounds very well if wealth inequality had...
    21-10-2018, 12:49 PM
  • Reply to How money is created :
    JK0
    I think I linked to this several years ago:

    ...
    20-10-2018, 22:40 PM
  • Which mortgage to overpay?
    Wannadonnadoodah
    I want to clear my residential mortgage quicker. Have an interest only BTL that has a £300 surplus each month after the interest is paid. Seems an easy question but then tax relief on the BTL mortgage payments comes into play. The BTL is in the name of a basic rate tax payer.

    Residential...
    20-10-2018, 16:17 PM
  • Reply to Which mortgage to overpay?
    Gordon999
    You have £300 per month surplus money and can reduce your mortgage loan by £3600 in one year.

    On your residential mortgage , you reduce your loan by £3600 and saving £72 interest ( at 2% ) next year

    On your BTL mortgage , you reduce your loan by £3600 and saving £144...
    20-10-2018, 21:44 PM
  • Reply to Which mortgage to overpay?
    boletus
    Is this a trick question?

    Put some figures in and all relevant info.

    And please don't move the goalposts later on to reveal you are from the planet Zog, with diplomatic immunity and all rent is paid to an oak tree based in the Cayman islands receiving WTC.
    20-10-2018, 20:14 PM
  • help, what to do with mortgage?
    logan5
    ok situation is:


    own a house that have been renting out and now want to sell. the house has been on the market for 9 months, which isn't unsual in this area. the tenant has now decided to move out and has bought there own place.


    im now staring at an interest only...
    07-10-2018, 10:01 AM
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