anyone got that htb equity loan due? Our 5 year fix is coming to an end next December and I’ve had a stress migraine all day today.
im oscillating between mortgage rates coming back down a bit by then due to the fact the Bank of England MPC committee meet every month and the base rate at the speculated 6% would cripple home owners and there would be defaults left right and centre and the mortgage market would be spooked etc and then blind panic. We have the htb equity loan too, some of which can pay off in cash but some will need to add to mortgage. I’m so hesitant about fixing again and paying the whopper of a penalty when it will nearly double the mortgage and I’ll have 2 kids in nursery. September next year dc1 will be off to school and that frees up cash. But fuuuuccccckkk. Anyone else with htb out there?