Help to Buy ISAs are a great way of saving money and getting a rather sizeable bonus on your savings (25%), most places offer them but the information about them isn’t always helpful and makes assumptions.
As you know we’ve been saving to buy a house, we’d saved 10% which was pretty good going but when speaking to the Mortgage advisor we found out that many banks actually require 15% deposit on a new build house and 25% deposit on a new build flat.
Some banks will offer 90% mortgages but the rates are higher or other offers (such as fixed term periods) are lower.
It’s January 2018 already, somehow that crept up when I wasn’t looking and here we are! So what did 2017 bring me? Am I rich? Did I become famous? Did I visit space? Did I discover a new element? Did I create a mechanical suit and fight evil?
Sadly none of these happened, I know that it’s confusing. It is one thing to question the official story, and another thing entirely to make wild accusations, or insinuate that I’m a superhero. The truth is, I am not Ironman.
Yep, Dave The Elf has done his Christmas of mischief, he got up to a lot, watched Star Wars : The Last Jedi and even hit back at another Elf who took the use of a teabag too far. (You need to watch out for those Poundland Elves!)
Dave The Elf and Porgwin are going to take it easy until next December, it doesn’t mean they won’t get up to stuff, but they just won’t be as busy.
But keep checking the tags #davetheelf and #porgwin on twitter and instagram to see what they get up to.