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Chatting mortgages

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By (user no longer on site) OP   
over a year ago

Amongst my friends there seems to be no qualms with talking very openly about cost of houses and amounts left on mortgages etc. Is this standard? I was kind of brought up believing that kind of chit chat to be private.

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By (user no longer on site)
over a year ago

Groups of friends often discuss such things. But not in public.

Its common practice for people to measure their wealth through property which is not a good idea until you own it yourself.

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By (user no longer on site) OP   
over a year ago

I'm kind of the odd one out.. they all bought huge houses (with huge mortgages) and I opted for a tiny (modest) terraced with a mortgage that's very low each month. My head spins when I hear what they pay per month! Spins even more when I work out the interest!

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By (user no longer on site)
over a year ago

I talk about that stuff, i find it intresting

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By (user no longer on site) OP   
over a year ago

I suppose I find it interesting too.. get some info on the latest good mortgage deals etc

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By (user no longer on site)
over a year ago

I chat about it but then I'm a very open book person.

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By (user no longer on site)
over a year ago

I work for a call centre talking about mortgages so I see a lot of this going on. I don't personally talk about my mortgage or the repayments to my friends or family but that's a personal choice.

Obviously I can't discuss specific accounts or situations but I see a lot of people who have to re mortgage because of other debts or loans that get them in trouble. The interest only ones are difficult because customers have already cashed in endowments etc an now have no repayment plan for the big lump sum.

You have done a sensible thing by going with a mortgage that you know you can pay each month without worrying about it too much.

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By (user no longer on site)
over a year ago

It's a form of bragging - my unsustainable debt is bigger than yours.

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By *om and JennieCouple
over a year ago

Chams or Socials

We had a bit of a competition with "who paid the ex the most" from the equity when getting divorced.

I'm looking at downsizing in a few years & halving my mortgage. I couldn't afford to rent my house currently & my mortgage is about the same as my cousin pays for a socially rented 3 bed

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By (user no longer on site) OP   
over a year ago


"I work for a call centre talking about mortgages so I see a lot of this going on. I don't personally talk about my mortgage or the repayments to my friends or family but that's a personal choice.

Obviously I can't discuss specific accounts or situations but I see a lot of people who have to re mortgage because of other debts or loans that get them in trouble. The interest only ones are difficult because customers have already cashed in endowments etc an now have no repayment plan for the big lump sum.

You have done a sensible thing by going with a mortgage that you know you can pay each month without worrying about it too much. "

Thanks (re the sensible comment).. I like to think so. At times I'd bloody love a drive way / garage etc. I suppose it's getting the right balance.

A friend of mine bought at peak price time - on 100% mortgage interest only - I wouldn't like to be in that situation as his mortgage is much more than his house is worth. (Albeit he's in a bloody lovely house!)

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By (user no longer on site)
over a year ago

I had a conversation with my friend a few days ago about house prices and mortgages. I also know how much a lot of my friends earn and how they spend their money. I wouldn't talk to acquaintances or some family that way.

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By (user no longer on site)
over a year ago

Come on now people. This is supposed to be a swingers site. Let's keep it dirty please folks.

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By *eppoMan
over a year ago

London Colney

[Removed by poster at 08/08/16 15:54:10]

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By (user no longer on site)
over a year ago


"Come on now people. This is supposed to be a swingers site. Let's keep it dirty please folks.

"

Look away

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By (user no longer on site) OP   
over a year ago


"Come on now people. This is supposed to be a swingers site. Let's keep it dirty please folks.

"

Oh damn... I've got my forums mixed up. I best delete the post "would you let another guy fuck your wife in the ass" off Martin Lewis' money saving expert.

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By (user no longer on site) OP   
over a year ago


"It's a form of bragging - my unsustainable debt is bigger than yours."

Correct

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By (user no longer on site)
over a year ago


"I'm kind of the odd one out.. they all bought huge houses (with huge mortgages) and I opted for a tiny (modest) terraced with a mortgage that's very low each month. My head spins when I hear what they pay per month! Spins even more when I work out the interest!"

This is me too. Except my friends all rent big expensive houses. They couldnt believe how much my mortgage is and in even cheaper now. Quite happy in my little house cause i can afford to keep adding and investing. I know if i lost my job i could still afford it on a low paid one. I dont like money worries so its works out better for me xx

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By (user no longer on site) OP   
over a year ago

Very much my situations Vera.. I hate the thought of having money issues and having to move due to not affording the mortgage / rent.

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By (user no longer on site)
over a year ago


"Very much my situations Vera.. I hate the thought of having money issues and having to move due to not affording the mortgage / rent. "

Were lucky in manchester though. I couldnt afford a small flat down south never mind a house lol xx

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By (user no longer on site) OP   
over a year ago

I couldn't afford a bloody garage. I'm not even exaggerating! And apologies I meant "vara"

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By *illwill69uMan
over a year ago

moston


"It's a form of bragging - my unsustainable debt is bigger than yours."

Not always, my friends and I discuss and share all things financial whenever a change costs or saves us money or we are having a problem or need to make a decision. This is not in any way bragging, it is sharing information so that we can all get the best deals available. Which is a major part of what friendship is about.

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By (user no longer on site)
over a year ago


"Amongst my friends there seems to be no qualms with talking very openly about cost of houses and amounts left on mortgages etc. Is this standard? I was kind of brought up believing that kind of chit chat to be private. "

Only 1 son and my FWB know what I owe on my mortgage and what I pay. I don't discuss it as a rule XXX

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By (user no longer on site)
over a year ago


"It's a form of bragging - my unsustainable debt is bigger than yours.

Not always, my friends and I discuss and share all things financial whenever a change costs or saves us money or we are having a problem or need to make a decision. This is not in any way bragging, it is sharing information so that we can all get the best deals available. Which is a major part of what friendship is about."

Swapping financial information is a major part of friendship? For you maybe.

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By (user no longer on site)
over a year ago


"It's a form of bragging - my unsustainable debt is bigger than yours."

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By (user no longer on site) OP   
over a year ago


"It's a form of bragging - my unsustainable debt is bigger than yours.

Not always, my friends and I discuss and share all things financial whenever a change costs or saves us money or we are having a problem or need to make a decision. This is not in any way bragging, it is sharing information so that we can all get the best deals available. Which is a major part of what friendship is about.

Swapping financial information is a major part of friendship? For you maybe."

I think he's referring to the benefits of discussing Mortage rates etc. I do find it useful at times but also like to not reveal too much personal info.

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By *inaTitzTV/TS
over a year ago

Titz Towers, North Notts

I try to avoid it, as my mortgage is paid off and it's hard not to look like an arsehole when your friends have big mortgages. However, I am usually able to lighten the mood by pointing out that as we live in the North we haven't got it too bad

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By (user no longer on site)
over a year ago


"Come on now people. This is supposed to be a swingers site. Let's keep it dirty please folks.

Oh damn... I've got my forums mixed up. I best delete the post "would you let another guy fuck your wife in the ass" off Martin Lewis' money saving expert. "

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By (user no longer on site) OP   
over a year ago


"I try to avoid it, as my mortgage is paid off and it's hard not to look like an arsehole when your friends have big mortgages. However, I am usually able to lighten the mood by pointing out that as we live in the North we haven't got it too bad "

Once I've paid mine off I think I'll have a specially printer t-shirt saying "mortgage'less!" with an arrow to me! Haha

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