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[Doctor Gollum]

Also I was young and foolish and thought I'd live forever

Now 40 is rapidly closing in ( ) I'd do things differently, of course; save more, spend less and have the shortest mortgage term I could manage!

Amen to that

[aaronjb]

That's a really interesting rightmove link. I honestly didnt think any bits of Northampton were as nice as that. Most of it looks like a a bit of a dive 

I may have to put it back on the list of search areas.

Some bits are quite nice .. some bits look like they need levelling! The two are not always far apart..

I'm told - Abington is nice, the roads adjacent to the race course also. Spinney Hill is something like the fourth best area (which is where I am), and avoid Semilong as that's where the hookers live

My other half once looked at a house in Semilong that came complete with webcams and beds in every room....

[aaronjb]

Oh I forgot Duston village, which is very nice (expensive but not much more so than Spinney Hill, less than Abington) and parts of Weston Favell village.

[Kevin Wood]

My other half once looked at a house in Semilong that came complete with webcams and beds in every room....

On the other hand, I bet the broadband connection was OK.

[TheBoy]

I'm not on a fixed term deal, just standard tracker, and have been since I last remortgaged around 2003/4 ish

It tracks at 0.7% above base.

[redelitev6]

What are you paying?.

Banks tend to like the word 'variable'

I have paid everything from 16.5% in 1990 down to 3%. Currently paying 3.75%, but I can arrange a new and hopefully better deal in October.

I have seen new mortgage offers available as low as 0.89%, but there is usually a hefty sign up fee of around £1500.

I remember it well , makes me shudder to think what would happen if we ever went that way again -the buy to let market ? young couples maxed out already ? 

[TheBoy]

What are you paying?.

Banks tend to like the word 'variable'

I have paid everything from 16.5% in 1990 down to 3%. Currently paying 3.75%, but I can arrange a new and hopefully better deal in October.

I have seen new mortgage offers available as low as 0.89%, but there is usually a hefty sign up fee of around £1500.

I remember it well , makes me shudder to think what would happen if we ever went that way again -the buy to let market ? young couples maxed out already ?

It does bring down prices - I bought my first house on the back of the 1990 crash, in late 1991, when house prices had crashed, but interest had gone down to around 13%

[Rods2]

Remortgaged in 2005 due to divorce and I'm for the duration on base + 2% which is currently 2.25%.

[Rods2]

Looking forward to new deal as LTV will be sub 40%, aiming to bring it down to 15 years term. Currently 18 years left. .

32 years left on mine You'll have retired before I finish paying my mortgage, I suspect - and you're considerably younger than me!

[edit] Those of you habitually over-paying 10% a year.. where are you finding £20-30k annually on a repeating basis!? I need to come and raid your sofas...

I work in a very 'hush hush' capacity for HM Government. Only last week I had to make love to a beautiful 25 year old Russian countess to obtain state secrets entrusted to her by Putin.

I didn't want to do it......I did it for England.

I'll see if there are any vacancies for you, Aaron.

And then you woke up with the laptop hitting you, where you were talking in your sleep.

[2boxerdogs]

Not a penny, last time I had a mortgage was in 1986 think it was for around £25.000 ,sold the house in Croydon for £89,000 moved to Syderstone in Norfolk bought a house for £49,000 cash sold that a year later for £87,000 & bought our present house in Lincs for £80,000 cash ,only regret is I should have bought 2 instead of spending thousands on cars & holidays but still consider myself lucky to have been mortgage from from 33 years of age.