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  • Just had a chat with the wife over a bottle of M and S fizz, think we are going to do non mortgage loan as fuck having it hanging over us for 20 years and giving an extra 30k to the bank.

    Thanks for chiming in though, better than the rest of the dead beats on here!

  • I think that a good approach, I did similar, took a loan out on doing the kitchen (about 8k total) with 0% finance like @Mr_Smyth for 5 years and the repayment is really peanuts.

    Better than paying a little more in mortgage unless it need like 40k worth of work.

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