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@Dooks-Fatberg
^^thanks for the soothing advice (prveious page. dammit). Have gone with the 30 year term as we can overpay by 10% a year anyway.
Just waiting for the pack to arrive from the solicitors. I'm so fucking impatient to get on with it now that I might pay for a courier to bike the signed docs straight back to buy us couple of days. It's now three weeks at the in-laws and counting. My missus is near suicidal and i'm actually looking forward to going into hospital tomorrow as an escape.