要是我都愁死，你自住房和出租房都赶上高利率了！
再高也要交啊，总不能欠银行钱啊
我们是有涨租的，自住就无所谓了反正几十年供
有闲钱的话你可以7月份过后趁没有early repayment charge还掉点钱再申请贷款。
1赞
Halifax的
Term
2 years #### Initial rate
6.20% #### Changes to the tracker rate from
31/05/2025 #### The overall cost for comparison is
8.3% APRC #### Product fee
£0 #### Loan to value (LTV)
0-60% #### Early repayment charges
Up to 2% to 31/05/2025 #### Max loan
£1m
Term
2 years #### Initial rate
6.25% #### Changes to the tracker rate from
31/05/2025 #### The overall cost for comparison is
8.3% APRC #### Product fee
£0 #### Loan to value (LTV)
60-75% #### Early repayment charges
Up to 2% to 31/05/2025 #### Max loan
£1m
Term
5 years #### Initial rate
5.71% #### Changes to the tracker rate from
31/05/2028 #### The overall cost for comparison is
7.7% APRC #### Product fee
£0 #### Loan to value (LTV)
0-60% #### Early repayment charges
Up to 5% to 31/05/2028 #### Max loan
£1m
Term
5 years #### Initial rate
5.76% #### Changes to the tracker rate from
31/05/2028 #### The overall cost for comparison is
7.7% APRC #### Product fee
£0 #### Loan to value (LTV)
60-75% #### Early repayment charges
Up to 5% to 31/05/2028 #### Max loan
£1m
那你下次换ＨｓＢＣ咯
oh no remortgage 太麻烦了。
Halifax overpay 本金很easy。option多一点。如果有选择，我还是首选Halifax
有的利率便宜，但是产品费贵。有的利率贵，产品费便宜。羊毛出在羊身上
我4月开始把我工资调低，改成多领分红，这样我节约不少ni。 利息费对我影响就小一些了，反正怎么都有20% tax return.
最近查到黑马5年3.89 （取决于你的LTV ratio），要我这时候肯定不会签5年fixed，今年底利息到顶，接下来不管是拯救经济衰退还是稳定金融环境，都会逐渐降息