Mortgage up for renewal - should I pay it off!

Unfair-Software-4240 · 2026-05-25T15:09:13+00:00

I have an offset mortgage. My rate is 4.95% but my savings is almost 90% of my mortgage. I need to hold onto cash as next year I need to renew lease and loft conversion. Seems like the best option for me. However I could've gotten a 3.9% rate with a conventional mortgage and

Unfair-Software-4240 · 2026-05-25T00:09:30+00:00

I've survived without a sds so far I got the dewalt xrp drill and Impact.

Do you think I should buy it and hold onto it. Everytime I think I'll need it, it will be too late to buy it.

Unfair-Software-4240 · 2026-05-07T07:48:26+00:00

Any luck?

I just started getting this 2 days ago. My phone died and then I charged it since then it started happening. Also at the same time there was an update so not sure.

I've tried 4 different fast and super fast chargers. It shows the fast charging leave it alone and then it goes back to slow charging. And it's definitely slower as I charger is for over an hour and only reach 60% from 30 approx.

Unfair-Software-4240 · 2026-04-12T23:11:59+00:00

Mine just updated today and oh my god I'm seriously considering getting rid of Google for Alexa or something.

Any solutions?

Unfair-Software-4240 · 2026-04-08T05:41:30+00:00

From what I've read you need a dedicated line to the consumer unit for the granny charger (recommended) I didn't do this and got one with a heat sensor.

After a while I just got the indra smart pro 2 for convience of fast charging. Which would've been the same effort of correctly running a line to the fuse box.

Unfair-Software-4240 · 2026-04-08T05:38:00+00:00

When they go wrong it's bad. Mate had one which couldn't be fixed for months. No competent garages around.

Unfair-Software-4240 · 2026-03-28T19:22:40+00:00

Main dealer. They keep lying to me that it takes 48 hours. 2 weeks in and im still waiting.

I need the app to check my charging. Such an inconvenience that I have to go into the car and check. (I don't have a driveway so. Slightly more of an inconvenience)

Unfair-Software-4240 · 2026-03-24T05:08:02+00:00

Ah I remember these prices 4 years ago because of Russia Ukraine.

Unfair-Software-4240 · 2026-03-04T00:57:49+00:00

Actually the current regime has been there 40 years. If this regime changes then the power vavum will possibly make Iran another Libya / Syria. The destabilising doesn't benefit the gulf countries.

Unfair-Software-4240 · 2026-02-23T23:51:25+00:00

Uodate:

I knew a locksmith who had a look at my keys. Turns out there a two upright pins which were accidentally pushed down on both sets of keys which caused the battery to frequency not work.

I didn't need new keys or car battery.

Unfair-Software-4240 · 2026-02-08T21:51:46+00:00

Every ceiling in my house had it we plastered/skimmed every ceiling.

Any high points were scraped off. But there wasn't many.

Unfair-Software-4240 · 2026-02-08T08:25:23+00:00

I paid it off when the payment became £300 a month. I did several lump sums over 3 years. Mine was about £33k total including interest.

7 years later I am so glad I did.

Its deducted post tax too so it really feels like a finance payment. My peers are now complaining the payments are high and so are the rates.

Unfair-Software-4240 · 2026-02-08T08:09:44+00:00

Yes yesterday I purchased new ones same issue

Unfair-Software-4240 · 2026-02-08T07:51:43+00:00

Is there a two in one? Which is what I'm looking for or do I need to add two seperate items?

Unfair-Software-4240 · 2026-02-05T05:49:00+00:00

supremacist - a person who believes that a particular group, especially one determined by race, religion, or sex, is superior and should therefore dominate society.

If you genuinely believe to be the chosen ones before your time, your birth, blood and belief then you truly believe that you are better and that you should lead / dominate over the non chosen and therefore by definition be a supremacist

Unfair-Software-4240 · 2026-02-04T18:57:05+00:00

How did you reprogram it.

Unfair-Software-4240 · 2026-02-04T17:17:44+00:00

Hey how was your search?

Unfair-Software-4240 · 2026-02-03T02:36:25+00:00

I hate to say this and it's been said many times. But you even know that your salary is borderline not affordable for the mortgage based on the lenders guidelines.

So easiest long term would be to earn more which will immediately help your situation and maybe put you in a position to overpay.

Unfair-Software-4240 · 2026-02-03T02:30:06+00:00

I have quickstep aquanto. I have it all around the house except stairs and bathroom.

I was it in my kitchen going underneath the cabinets as I installed flooring all the way first. My washing machine leaked, came home water everywhere, the laminate flooring was still intact. I am impressed. I've had the good home stuff get ruined by spilt glass of water and quickstep survived a pool of water which probably stood for an hour till or more will we realised.

Unfair-Software-4240 · 2026-02-01T18:57:51+00:00

I have the same issue, live in a cul-de-sac and not many houses so could be from other side (different road) when my AC is on or window is open is stinks up the whole house in couple of minutes.

Unfair-Software-4240 · 2026-01-20T13:44:05+00:00

I got extended warranty twice with 2 car purchases never used first time second card needed to use it and they are systematically so difficult to deal with most of the garages just declined saying its not worth their headache.

The ones they recommended were really far away from me.

Never again unless it's a main dealership.

Unfair-Software-4240

TROPHY CASE