To ask what your mortgage debt is proportion to your assets

76 replies

Bearlionfalcon · 09/09/2025 15:14

For example our ratio is 3.5 assets to 1 debt.
ie. We own a house worth 700k but we have 200k mortgage debt left to pay off.

Our mortgage cost is currently about 25-30 per cent of our income. Expected to rise when we renew our mortgage but thankfully we have another year.

I think this is a reasonably fortunate financial position to be in, my DH thinks we have a mountain of debt and we’re about to be in terrible trouble when rates rise etc so should put all our money/ efforts/ savings into reducing that debt.

Who is right??!

YANBU - me
YABU - DH

OP posts:

Didimum · 10/09/2025 17:22

Kauioo · 10/09/2025 17:19

This made me feel better!

House 900k
Mortgage 690k
Eeeep

Age 36
Repayments 27% combined net income (4.2% interest on current fixed)
300k in savings, decent pensions, incomes likely to rise before we remortgage as we will be out of the tiny children years

Show quote history

Welcome to the silly mortgage club!

You'll feel even better that my pension is shite! My DH's is very good though. Lucky him. We're also out of tiny children years but STILL paying £600 a month for an afterschool nanny (come on, secondary school!!).

Flip

1 2 3 4