Looking at the same after Crypto blood bath. Sub 20K get a loan. Over 20K mortgage it.
15k 5y term tends to be the cut off for the low 3% unsecured rates. More money or longer term tends to double to 6% or more, so makes sense to add onto mortgage above this level. Though 5k extra can go on an interest free card fairly easily.
@Acliff started
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Looking at the same after Crypto blood bath.
Sub 20K get a loan.
Over 20K mortgage it.