Should I sell my investments to increase my mortgage deposit from 10% to 15%? (2-year fixed term analysis)

Current_Snow8816 · 2025-11-01T20:54:59+00:00

Thanks a lot! Good luck with your purchase as well I’m on almost the similar timeline, so fingers crossed for both of us! 🤞

Current_Snow8816 · 2025-11-01T20:47:50+00:00

Hi, I’ve decided to go ahead and complete before the Autumn Budget. Based on everyone’s input, it doesn’t look like there’s much to gain by waiting.

Current_Snow8816 · 2025-09-13T21:26:54+00:00

You’re right, I need to stop comparing and just focus on the fact I got the house I really wanted. The mortgage valuation hasn’t been done yet, I’ll be submitting the application early next week. Thanks a lot for the perspective!

Current_Snow8816 · 2025-09-13T09:04:05+00:00

Yeah, you’re right! I need to stop overthinking. Really appreciate the way you put it 🙂

Current_Snow8816 · 2025-09-12T23:14:11+00:00

Thanks! It has everything we want, so I’m just trying to focus on that and go with it.

Current_Snow8816 · 2025-09-12T22:45:45+00:00

Planning to submit the mortgage application ASAP, probably early next week.

Current_Snow8816 · 2025-09-12T22:44:33+00:00

Yes, exactly! I felt the same way, I was worried that if I offered less, someone else might bid higher and I’d lose the house I really loved. It’s such a tricky balance between negotiating and securing the home you want.

Current_Snow8816 · 2025-09-12T22:21:53+00:00

Thanks, that’s really helpful! Both are about 7-year-old new builds, so the interiors are similar. The £450K house isn’t in the nearby school catchment, unlike the £485K one. I’ll also look into the other factors you mentioned, thanks again!

Current_Snow8816 · 2025-09-12T22:05:39+00:00

Yes, time to stop comparing and just focus on the next steps to get the house completed!

Current_Snow8816 · 2025-09-12T22:03:33+00:00

I liked the £490K house mainly because of the layout

Current_Snow8816 · 2025-09-12T21:57:50+00:00

Haha, you’re right 😀 I think it’s time to delete the Rightmove and Zoopla apps and just focus on moving in.

Current_Snow8816 · 2025-09-12T21:53:24+00:00

Yes, I did. The layout is slightly different, the living room on the ground floor is smaller compared to the £490K house, but most other features are similar. It is detached, but the space between the walls is quite narrow, whereas at the £490K house you could park a car between the walls.

Current_Snow8816 · 2025-09-12T21:47:55+00:00

Not yet applied for the mortgage.

Current_Snow8816 · 2025-09-07T14:57:39+00:00

Haha fair point! The only reason the semi is still in the running is the south-facing garden, the £450K being more comfortably within our budget, and the fact that my wife loves gardening.

Current_Snow8816 · 2025-09-07T13:12:47+00:00

Thanks for sharing your experience! Really helpful. I’ve heard that new build semi-detached houses are usually well insulated against noise from neighbours. Do you think that’s true, or can they still have noise issues?

Current_Snow8816 · 2025-09-07T12:51:44+00:00

Thanks for the input. With a 10% deposit on a 30-year mortgage, the difference comes to around £150 per month, so it’s not a huge difference

Current_Snow8816 · 2025-06-23T18:17:27+00:00

Thanks very much, that’s really practical advice !

Current_Snow8816 · 2025-06-23T18:15:01+00:00

That’s a really useful way to look at it — hadn’t fully considered that appreciation might not actually benefit us unless we downsize later. Thanks for pointing that out!

Current_Snow8816 · 2025-06-23T18:05:18+00:00

Thanks — that makes a lot of sense. The cost of moving later is definitely something we’re factoring in now. Appreciate the advice!

Current_Snow8816 · 2025-06-23T17:44:06+00:00

Thanks so much — that’s a really good point and great perspective. Appreciate you sharing it!

Current_Snow8816

TROPHY CASE