· How do you do this? Pay off your mortgage as soon as you can, and definitely pay it off before you retire. And don’t buy a home if you can’t afford to pay it off between five to 10 years.
The interest rate charged by the lender offering the deal. If your ability to afford the mortgage is a concern, and you are taking out a variable-rate deal, it makes a lot of sense to check how much your repayments could be should the interest rate rise by even 1% or 2%.
She’s also engaged to someone new. “I’m much better with money now and that’s rubbed off on my fiancé. We should both be debt.
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