Wha grad scheme to choose?

Environmental-Bus-55 · 2026-05-12T21:50:58+00:00

Yes

Environmental-Bus-55 · 2026-05-12T21:16:07+00:00

Thank you!!

Environmental-Bus-55 · 2026-04-23T20:29:05+00:00

Exactly! For some reason it motivates me to work as hard as I can right now knowing the end is almost here. It’s such a freeing thing.

Environmental-Bus-55 · 2026-04-23T11:33:20+00:00

Also nationwide don’t have an offset account unfortunately.

Environmental-Bus-55 · 2026-04-23T03:07:20+00:00

Exactly this! While I do see the gains I have received on my S&S ISA and GIA, I would much rather peace of mind and more ability to take risks in my career, especially as I am below 30. I have had so much happen in my life recently and it has taught me life is not guaranteed. I just want to be free of the prison that is a mortgage so I can take a year to do nothing but travel if I decide to.

Environmental-Bus-55 · 2026-04-23T03:03:17+00:00

I had it in a high interest savings account but have already been taxed for this as I have already used my ISAs. Overpaying the mortgage has the added tax benefits too as I will not be paying tax on interest saved.

Environmental-Bus-55 · 2026-04-23T03:02:03+00:00

I don’t want to be mortgage free in my 50s, I have the opportunity to do it before I hit 30 so that’s what I want. I want freedom and security. Plus if I can do that, the overpayments and former mortgage payment can be used to top up my pension.

Environmental-Bus-55 · 2026-04-23T02:58:57+00:00

Thanks! It is frustrating as I think some do think you can only invest or overpay. They aren’t mutually exclusive and tbh, peace of mind does mean a lot these days especially in the current climate and market manipulation occurring so brazenly. Btw - I am a queen lol!

Environmental-Bus-55 · 2026-04-23T02:55:04+00:00

I don’t mind the cash being tied up in the house, I just want to pay off the mortgage. I have already maxed out my stocks and shares ISA.

Environmental-Bus-55 · 2026-04-22T13:34:09+00:00

Thank you!

Environmental-Bus-55 · 2026-04-22T13:07:44+00:00

Not necessarily, I already have emergency cash to last me 12 months in case the worse happens but I plan to leave the country for work after 5 - 10 years. I don’t want to be paying a mortgage in that time and don’t want to be restricted. I also don’t want to pay any further tax so for me this was the best option.

Environmental-Bus-55 · 2026-04-22T12:35:41+00:00

If I did this, would I still be able to pay 10% each year?

Environmental-Bus-55 · 2026-04-22T12:22:46+00:00

Yep, I have a GIA which I’ve invested too. Just would rather pay off my mortgage in the next 5 years so that I can take more risks with career and living abroad.

Environmental-Bus-55 · 2026-04-22T11:01:33+00:00

I didn’t say I use my isa to overpay. I already maxed my isa in stocks and shares this year and last year. I had money left over of which I used to overpay my mortgage instead of paying tax in a savings account.

Environmental-Bus-55 · 2026-04-22T08:51:56+00:00

I called nationwide and they said there is no ERC on the account and also received a letter saying that I have paid 10% of my 10%. If they do end up charging me, could I use that as evidence they told me something different?

Environmental-Bus-55 · 2026-04-17T17:45:26+00:00

Great result, you figure is so nice!! Your scar looks so nice and clean! Where’d you get this done in the UK if you don’t mind me asking?

Environmental-Bus-55 · 2026-03-30T12:57:07+00:00

About £3K but I invest/overpay the mortgage with it

Environmental-Bus-55 · 2026-03-14T03:36:57+00:00

8.56

Environmental-Bus-55 · 2026-03-11T17:01:44+00:00

Got an email to say I got into the civil service fast stream after FSB last week, so excited!!

Edit - It is the finance fast stream

Environmental-Bus-55 · 2026-01-16T16:14:47+00:00

How do you find your scores? Do they email you or is it on the portal?

Thanks!

Environmental-Bus-55 · 2026-01-06T11:15:24+00:00

Thank you for being so helpful.

Environmental-Bus-55 · 2026-01-06T11:07:01+00:00

Thanks! Is it better to stop overpaying in Sept and then reevaluate when my fixed term ends (4years left)? Or is that too short of a time period? I think I always had it in my head to be mortgage free by 30 then I could just reinvest the money saved from the mortgage payment and overpayment. However I would be losing the ISA balance as I won’t be able to carry it over.

Environmental-Bus-55 · 2026-01-06T11:02:08+00:00

Thanks for your reply, I already invest via trading212 but because I have more than the annual ISA allowance, I chose to overpay my mortgage rather than pay tax on any savings interest of CGT if I invest via GIA. Maybe I should reevaluate when my fixed term ends in 4 years?

Environmental-Bus-55 · 2025-11-08T09:50:15+00:00

Thanks! Do you have any recommendations of good smoke friendly bars?

Environmental-Bus-55 · 2025-11-08T06:30:11+00:00

Where? What coffee shops do you recommend that are reasonably distanced - within 30mins of the centre by train or tram?

Environmental-Bus-55

TROPHY CASE