2021.10.26 08:44 Tall-Drag-8188 Simulation Hypothesis Petition
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2021.10.26 08:44 seanmashitoshi LPT: Company loyalty only goes one way. Don't expect your company to be loyal to you just because you're loyal to them. If you secure a better offer elsewhere, take it.
2021.10.26 08:44 kumanjr Κόκκινη Παραλία (Red Beach), Santorini
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2021.10.26 08:44 MonsterJuiced American Healthcare
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2021.10.26 08:44 H25azbxwyz Not everyone approves of this princess' wedding. She's going ahead with it anyway
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2021.10.26 08:44 kmp11 IQ8 is live! Use all the solar you produce even during a grid outage without a battery!
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2021.10.26 08:44 Prestigious_Risk7610 How to plan for future equity withdrawal from a property
I'm due to remortgage soon, but I'm considering the trade off between - getting security of a 5 yr fix vs the risk of early repayment charges vs ability to release equity.
My particular circumstances are: - 25% LTV and I'd ideally stay around this level - I'd potentially like to withdraw equity (back to 75% LTV) in a few years to help towards another property deposit - I might want to go self employed/contracting in a couple of years ( and I'd like to avoid remortgaging in early stages given lack of accounts and higher rates) - will likely want to move in 4 to 6 years (likely 5 years) - when I move I'll be self building, so porting a mortgage isn't an option
I see 3 options 1) sign up to a 2 or 3 year fix Pros- ability to easily reset to existing LTV to release equity. Probably gets the best rate now. Cons - not as good as a 5yr fix if interest rates rise faster than expected. May prohibit contracting until after the remortgage in 2 or 3 years. Equity can only be released at a set date in 2 or 3 years.
2) sign up to 5 Yr fix, but request a further advance midway through the term Pros- can request advance whenever it is needed. Lock in a 5 Yr rate. Cons - limited to existing lender
3) sign up to a 5 Yr fix, but then get a second charge mortgage midway through the term Pros - can request advance whenever it is needed. Lock in a 5 Yr rate. Can access wide range of lenders Cons- I believe second charge mortgages are more expensive
Am I missing anything?
In particular am I correct that a further advance is just a sub account on top of the existing deal and the existing deal terms remain in place?
submitted by Prestigious_Risk7610 to UKPersonalFinance [link] [comments]
2021.10.26 08:44 raidou_14 Oh no! The GTA Trilogy's release really IS going to affect SMT V sales!
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2021.10.26 08:44 Joshuaplr Meme created by me
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2021.10.26 08:44 1stCum1stSevered This stuff is not to be trifled with
Wow. I seriously underestimated what bread yeast + sugar + apple juice + a week of waiting could do.
I could have waited longer, but I figured what the heck. I had about a liter of the hooch and wow.
I did not expect this to affect me so much.
submitted by 1stCum1stSevered to prisonhooch [link] [comments]
2021.10.26 08:44 lothingandfear Night Drive in a swift sport
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2021.10.26 08:44 Mabeelie Well this is new
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2021.10.26 08:44 helpless-lemon-cider What’s your favourite Lamy fountain pen and why?
2021.10.26 08:44 artemasofficial Often find that people who listen to my music are Aries fans. Would love to know what you think of it :)
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2021.10.26 08:44 Fisher-B First grow, send help. Are these over or under watered?
2021.10.26 08:44 BryanM_Crypto Crypto.com adds Avalanche (AVAX) to Crypto Earn
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2021.10.26 08:44 quatroacademy More in the comments🤍
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2021.10.26 08:44 conscious4400 Go from blockchain beginner to cryptomining master to start a new career
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2021.10.26 08:44 rufus2785 Vegetarian ramen I made for lunch today.
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2021.10.26 08:44 Cethic i feel like complete shit but have some art with the voorhees knock off yeah
|submitted by Cethic to decayingwinter [link] [comments]|
2021.10.26 08:44 DOGEOCOLYPSE Break all your money into 4 stacks and if prog dips yolo 1/4 of your stack.
2021.10.26 08:44 GustavoHBernardo Two passions, Reading and riding the bus.
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2021.10.26 08:44 Alternative-Hunter59 Fantom erc now showing
2021.10.26 08:44 No_Metal_2766 Corgi puppy's first vet visit
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2021.10.26 08:44 prachihospital13 Best Gynecologist hospital in Prayagraj
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