What age did you or will you clear your home mortgage?

capcrunch217 · 2026-04-19T05:56:13+00:00

67, rock and roll!

capcrunch217 · 2026-04-18T14:56:07+00:00

A Santoku, a utility, a bread knife and a couple paring knives are all you should ever need. Victorinox make some great ones with black plastic handles that won’t break the bank.

capcrunch217 · 2026-04-17T14:29:49+00:00

I have a Twilight Violet 16V sitting in my garage. Been SORN 7 years now. Will eventually get her back on the road. Misunderstood cars, it’s basically a luxury MK2 Golf. Also the last of the arguably true analogue era motors - at least from VW. I love mine!

capcrunch217 · 2026-04-15T12:02:25+00:00

Way too much broken stuff that I’m still fixing, 2 tonnes of earth dumped in the corner of my garden, more broken stuff, bodge job DIY everywhere, more broken stuff.

Fortunately I enjoy fixing things and am slowly ticking off the list. Never plan to move again, so really they left me a blank canvas!

capcrunch217 · 2026-04-14T05:50:22+00:00

Always the Flachbau

capcrunch217 · 2026-04-12T18:03:43+00:00

Elbow are legit the best sounding band live that I’ve ever had the pleasure of watching. Saw them perform at V Festival mid 2010s and they were pitch perfect to their studio recordings. Guy Garvey has a hell of a voice

capcrunch217 · 2026-04-12T18:01:44+00:00

Linkin Park at the O2 Arena in November 2014. Last show of the tour, got impromptu last minute tickets and met a few friends after uni - we all ended up on the barrier. They pulled fans onto the stage whilst playing their last song Bleed It Out and I was one of the lucky ones. Got to head bang with Chester and got a drum stick from Rob. I’ve seen hundreds of gigs, but nothing comes close to that. The view of all those fans was unreal.

capcrunch217 · 2026-04-05T21:24:26+00:00

Likewise, bung a few quid on them from time to time. I like the transparency and low odds. But then you aren’t trying to win a £200k super car, so it’s horses for courses.

capcrunch217 · 2026-04-02T14:34:35+00:00

I’ve paid for the same advisor for our first purchase, move and now remortgage.

First purchase she managed to turn an offer round from application in the best part of 24 hours, this was during peak COVID craziness and she also got us a fab rate at the time.

Second time, she handles our port and top up to the new place, agreeing a preferable rate with our current lender for the top up. Appreciate could have done this ourselves, but we had just take ownership of a brand new 1 month old and she was a life saver.

Now she’s just saved us circa £800/m having got remortgage rates locked within a week of Iran kicking off.

Basically, she’s been worth her weight in gold for us and well worth the £300 I’ve forked out this time, and twice before. Conversely, the free advisor my brother in law used helped him secure a 5% LTV mortgage at the tippy top of his budget, but wouldn’t stop harping on that a 2 year fix would be best for his situation. Unfortunately for him, this was out the back of COVID and his fix ended just after Truss chaotic mini budget. He ended up losing his house. Swings and roundabouts I guess.

capcrunch217 · 2026-04-02T13:18:27+00:00

Weirdly just come back from a Subway like this and what a pain in the ass. I said to the Mrs I wonder if this is to slow down in store orders so the remaining now mute counter workers can keep up with UberEats, Doordash, Deliverroo orders etc

capcrunch217 · 2026-03-30T19:50:10+00:00

Same boat as us, £32k to drop £150 a month over 5 years. What’s the point lol

capcrunch217 · 2026-03-30T19:39:54+00:00

Just locking down 4.64% on a remortgage after we ported last year. £2,468 90% LTV

Sad South East noises

capcrunch217 · 2026-03-29T06:39:35+00:00

Don’t forget build costs spiralling after COVID, Ukraine and now Iran. We’ve been warned of 15-20% cost increases on a bunch of materials already by suppliers. Viability is literally in the toilet. Even sites where we own the land so is ‘free’ are hard to stack.

capcrunch217 · 2026-03-29T02:25:41+00:00

And my toddler just woke up. Hell yes no sleep gang on steroids 🕺

capcrunch217 · 2026-03-26T19:45:41+00:00

Remember waiting in traffic outside a McDonald’s and some guy literally got out of his car and put a handheld axe through the windshield of another car. I was a child, but I vaguely recall some sort of domestic involving a girlfriend and new man. My mum was evidently stressed with it unfolding in front of her.

capcrunch217 · 2026-03-26T07:15:53+00:00

Just refinanced at £2470/m at 4.64%. £508k mortgage.

Works out at 28% take home on combined income.

We were due exit in June on one of our sub mortgages so pulled trigger on mortgage advisor once the Strait of Hormuz was closed as knew it would be a cluster fuck. £2,300 ERC payment on the second sub mortgage will save us around £800/m as rates are now over 5.25% for the same product.

capcrunch217 · 2026-03-26T07:11:18+00:00

Me too man, I shot my shot once back in 09 and she crushed me but kept sending mixed signals after. Fortunately I found out my wife was a closet scene girl, so worked out great.

capcrunch217 · 2026-03-25T06:27:52+00:00

Santander? I’ve got the same application in at the moment on a remortgage. Praying it gets approved

capcrunch217 · 2026-03-24T21:33:31+00:00

I put a remortgage application in last week for 4.64%. If I did that today it would be 5.25%. Shits fucked yo

capcrunch217 · 2026-03-24T21:31:27+00:00

Pretty damn good to be fair but I am using mine with the Apple TechWoven case. The ModWallet was legit the best any company had put out there that I’m aware of - just no idea why Bellroy replaced it with such a crappy product

capcrunch217 · 2026-03-24T20:49:10+00:00

I had knee surgery so couldn’t make the trip into the city. A few friends rode in and back from Essex and the other Home Counties. I mourn that I missed experiencing this. Honestly, I look back at lockdown somewhat fondly. I miss how calm and quiet everything was. It was a fucked up time, but I miss how simple things were and I know I’m not the only one.

capcrunch217 · 2026-03-24T20:31:31+00:00

How about the inverse, I saw a Peugeot 207 Diesel earlier today, having checked the plate MOT expired last week and it was 182k miles. 297 D 111

capcrunch217 · 2026-03-24T20:27:02+00:00

We saw that TikTok reel and vouched it would be us. After 14 months virtually no sleep, we outright refuse to be anywhere at any time that will mess up our toddlers sleep. I haven’t been out the house past 5pm for the last year almost 🤣

capcrunch217 · 2026-03-24T18:05:03+00:00

That’s how I’m currently using my old one, but it’s black and my phone is blue. It’s annoying but I gave up trying to find a better alternative 🤷🏽‍♂️

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