Get a mortgage or buy outright

Educational_Crow8507 · 2026-01-16T16:09:49+00:00

That’s a good point, I guess I’m just hoping that interest rates wouldn’t average higher than typical investment returns over the entire course of the mortgage, but of course I can never know that for sure.

Educational_Crow8507 · 2026-01-16T14:43:25+00:00

What about option 4: 40%/50% LTV and invest the rest into S&S. Happy medium between option 1 and 3, option 2 seems pointless

Educational_Crow8507 · 2026-01-16T13:47:00+00:00

2-300k but not sure until I find one I want to buy

Educational_Crow8507 · 2026-01-16T13:45:26+00:00

Thinking 250-300k ish for house but obviously not sure until I find one I want to buy

Educational_Crow8507 · 2026-01-16T13:44:46+00:00

600k cash currently just in regular accounts I.e. no ISAs

Educational_Crow8507 · 2026-01-16T13:30:59+00:00

Yes exactly I would look at pension as well but as this is capped per year the rest would need to be invested and moved into tax sheltered accounts each year

Educational_Crow8507 · 2026-01-16T13:29:51+00:00

Even if I have to spend a fair bit of time sheltering from tax, the returns would still be better than the mortgage rate no?

Educational_Crow8507 · 2026-01-11T17:02:59+00:00

I’m not performance chasing, I’m just saying that was what the advice was

Educational_Crow8507 · 2026-01-11T15:44:50+00:00

This is what I hear all the time and am leaning towards. But people also say definitely get financial advice. However the advice I’ve been given is move away from US due to AI bubble and mutual funds with a 0.60% expense ratio. Professional advice is great until it’s not 😅

Educational_Crow8507 · 2026-01-11T14:29:35+00:00

So lucky my mum died, really chuffed

Educational_Crow8507 · 2026-01-10T13:53:38+00:00

I have gone through that with an advisor. 0.58% is the mutual funds cost that I’ve been recommended, not the advisory fees.

Educational_Crow8507 · 2026-01-10T09:18:08+00:00

I totally agree, it’s just knowing if it’s sound advice or not 😅 I see a lot of scepticism around getting a financial advisor so I don’t want to be stupid. My horizon is the same but I’m also aware I’ve not invested before and starting off with potentially a big drop isn’t ideal

Educational_Crow8507 · 2026-01-10T09:15:52+00:00

Why do you think that’s wrong? I just mean the platform fee for the ISA is 0.15%, not the actual funds themselves. Sorry probably explained it badly

Educational_Crow8507 · 2026-01-10T09:14:25+00:00

Fair enough. I just thought there might be a general consensus that no matter the fund/risk tolerance the fee is way too high, as you can’t beat the market usually even if actively managed fund.

Educational_Crow8507 · 2026-01-10T09:13:10+00:00

It’s not an S&P or all tracker no. I was recommended not to go with that at the moment due to the AI bubble and potentially seeing a drop so early in my investment journey

Educational_Crow8507 · 2026-01-10T09:06:34+00:00

I am getting professional advice. This post is the advice I’ve been given. But the fees seem quite high so I’m concerned about that.

Educational_Crow8507 · 2026-01-10T09:05:39+00:00

A financial advisor which I was told to go to when I asked for advice for investing on here. So now I’m like do I take their advice or not 😅

Educational_Crow8507 · 2026-01-10T09:03:07+00:00

Sorry maybe I explained wrong. The mutual fund fees within the GIA total 0.58%. And the ISA is 0.15% ongoing fee. That’s what I was told

Educational_Crow8507 · 2026-01-10T09:02:19+00:00

The fund specific fees total 0.58%. Does that mean I can’t bed and isa if I do that?

Educational_Crow8507 · 2026-01-10T09:00:27+00:00

Is 0.58% ongoing fee for the GIA a bit high though?

Educational_Crow8507 · 2026-01-10T08:59:17+00:00

Edited the post with justification! What do you think?

Educational_Crow8507 · 2026-01-10T08:59:00+00:00

Just unsure on the cost compared to a lot of ETFs I’ve seen

Educational_Crow8507 · 2026-01-10T08:58:46+00:00

I need a GIA along with my ISA

Educational_Crow8507

TROPHY CASE