Yes, fortunately just before the brown stuff hit the fan. I was over paying considerably for the last 3 years.

Enabled me to retire early.

I'm hoping that interest rates have peaked and will soon be heading south again.

That depends on those greedy f****r oil companies and power companies though. Oil prices are back at 2018 levels and gas prices are rapidly heading south as well.

Bet we still see prices increase in April though! They need to review how energy prices are set. Only 40% of Electricity is made using gas but the price per unit is set by the price of gas. How does that work!!!! Needs changing.

That's good news lets hope it stays that way.

Have been for about 10 years now, its a lovely feeling that's for sure - worst memory was circa 1988 - 94, first house, first mortgage, became divorced which wasnt in the plan, took a top up mortgage to pay her off (her half of the equity in the property)
no sooner done that then 5 minutes later the economy crashed, soon found myself with negative equity in the house & struggling to pay the bills, that drove me to work overseas, after some difficult months managed to sort out the payments, kept the house, finished the mortgage & of course life has progressed since -

During those dark times it would have been easy to let the house go but I am really glad that I battled through & kept it, gives me a nest egg if I ever need it & its always something to leave the kids when I pop my clogs -

Croydon Rodgers - Yes thanks, honestly at around that time I remember going to work all month & finding myself worse off at the end of the month than I was at the beginning, tough times indeed, according to google the mortgage rates went up to 14.88% in 1989, no doubt it depended upon your lender & the type of mortgage that you had but I also remember several years prior to that lenders were offering 100% mortgages to entice people to buy houses -

I dont know if times of poor economy are worse now than before but I do think there is more of a sense of entitlement among the youngsters than in our day (obviously thats a generalisation)
but absolutely for sure there is a lot more to spend your money on these days, when we were growing up if you wanted to make a phone call you needed coin & a public phone box - etc etc

Yes. On 2 properties.

Palace since 19 August 1972. Palace 1 (Tony Taylor) Liverpool 1 (Emlyn Hughes)

But then his whole post is full of muddled thinking.

Palace since 19 August 1972. Palace 1 (Tony Taylor) Liverpool 1 (Emlyn Hughes)