Author Topic: Mortgage + stocks and how long to fix?  (Read 1234 times)

manw

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Mortgage + stocks and how long to fix?
« on: July 29, 2013, 03:00:24 PM »
I have 400k, looking to buy a place to live for 550k and cant decide what to do. (11k ISA allowance already used)
#get a 3 year <2% mortgage and invest in S&S's
#get a 5 year <2.5% mortgage and invest in S&S's
#get a 5 year <3% offset mortgage and invest some in S&S's and some in the offset account
#get a 10 year <5% mortgage and invest in S&S's
#play it "safe", put all the money in the house and pay off the mortgage like "normal" people.

Thoughts?

Thanks for your time!

daverobev

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Re: Mortgage + stocks and how long to fix?
« Reply #1 on: July 29, 2013, 07:09:33 PM »
5 year/2.5% seems like a good compromise.. Risk vs reward and all that.

Then maybe put 300k into house/borrow 250k, invest 100k?

manw

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Re: Mortgage + stocks and how long to fix?
« Reply #2 on: July 31, 2013, 03:17:55 PM »
Thanks, sounds very sensible.

Anyone else have an opinion?

Thanks in advance!