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  • My mortgage renewal was due and I calculated I was 4% over an LTV threshold, below which were cheaper deals come December 31st (when it goes to standard rate).

    This was about 2 months ago... and I figured fuck it, let's just see what happens.

    What happened? Checked today and they've increased the HPI estimate for the property and it's £31 over the threshold and so I've pushed the buttons on the cheaper deal.

    I feel so effing smug right now.

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