Estate agents are cunts too.

We bought last March, it was horrible. Its worth double what the flat was, so we subsequently doubled the mortgage, doubled insurance, doubled energy, doubled maintenance blah blah blah.

Let me tell you a 4.5% rate on a 40 year mortgage is not good.

Hoping to change to a much, much lower one when that fixed rate comes up in March, maybe a shorter term too. I've been overpaying this one slightly just to help.