Sunk

I suggested maybe just Turks.

She’s no longer talking to me

I’ve just spoken to a mortgage advisor who discussed the possibility of rolling our HP agreement into our mortgage in such a way that it would reduce our monthly payments, the term length of our mortgage by 7 years and also have us owning the car at the end of the original HP agreement term rather than owing a balloon payment.

The overall long term savings were illustrated at around 63000 while also having a lower total monthly outgoing across these costs.

This seems too good to be true.

Does anyone have any into the potential drawbacks of this type of arrangement?

A tree outside our house and on the corner of a crossroad gets quite overgrown with new growth leaves throughout spring.

This makes visibility when exiting our drive very poor.

The council occasionally but not often enough come out and trim these leaves.

If I were to trim them myself could there be any legal consequences?

My pull routing is currently lat pull downs (narrow grip), seated row, bent over row, one arm bent over row, concentration curls and reverse flies to finish off.

I know I need to get deadlifts back in the so that hat will be a focus

Mother in law purchased a property with her partner as joint tenants. Never married, 2 children together a 1 from a previous relationship.

The interest only mortgage was secured with a deposit secured by MIL and endowment policies from her partner that would be used to pay off the capital amount at the end of the mortgage term.

The interest payments were originally paid by her partner but are now paid by MIL.

He has taken her to court to force the sale and a 50/50 equity split of the sale proceeds.

However, the capital amount for the mortgage has not been paid and the money from the endowments has been kept by her partner.

At an earlier court hearing he agreed to pay the original amount