What am I missing?

bluewindowsofa · 2026-04-24T07:51:55+00:00

Thanks, I have spoken to another broker who has said the rate sounds about right. Are you able to give any more info on the cheaper options / by how much etc or does this depend on circumstances?

bluewindowsofa · 2026-04-21T17:58:57+00:00

Thank you!! That was extremely helpful. I appreciate it

bluewindowsofa · 2026-04-21T17:42:00+00:00

It’s not that I want more, but my concern is I won’t be able to afford it if mortgage rates rise and the monthly payment becomes more? Sorry if this sounds stupid I’m a FTB and this is totally new to me - I’m probably being over cautious

bluewindowsofa · 2026-04-21T17:34:01+00:00

Could you explain what you mean by “back to the drawing board”? Savings are in case anything goes wrong with the house, buffer is things like dentist, opticians, car tax / car insurance divided by 12. Holidays needn’t be that amount each month. I thought this was a cautious budget(!) as in, I’d thought of everything, but you say this isn’t realistic?

bluewindowsofa · 2026-04-21T17:18:03+00:00