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  • Errrrr… mortgage 3.2 and loan 4.1.
    Not really a credit card guy, I’ll prob forget the interest free period, and don’t think the builder would accept that form of payment.

  • Put it on the mortgage but overpay by the difference between 270 and (440 plus whatever you would pay family). Otherwise the additional debt will be hanging around for decades costing you money.

    Plus borrowing / lending with family is a recipe for disaster.

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