Gabriel Talks Money
Region: GB
Wednesday 21 May 2025 14:23:04 GMT
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Dog Brigade :
When you overpay your mortgage,your mortgage payments come down…
2025-05-21 15:25:37
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0025wd :
I don’t want to shoot you down but… my mortgage was set to end in 2034. I’ve been overpaying each month. Next month, 9 years early, will be my last mortgage payment.👍
2025-06-19 12:23:20
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𝓚𝔂𝓵𝓮 :
8% isn’t guaranteed in this instance it’s only worth it if you’ve got a form of business that can use that extra money to gain more revenue
2025-05-21 20:04:56
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SimSima09 :
but the loan is compounded. so 5% a year on your 300k mortgage is going to be more than the 5% you'll make on 10k savings. If you have the same amount of capital in both then yes it offsets, but if you don't you're throwing away money by not overpaying.
2025-07-02 14:24:16
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Singularity :
I would have to do the math on that, but, that requires a huge amount of discipline to actually do over the full period of a mortgage
2025-05-21 20:01:23
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Winelad :
After capital gains it’s basically the same, but the mortgage interest is a guarantee and the investment is speculative. You do you, just saying it’s not always a good strategy
2025-05-21 18:14:47
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Far too tired :
It makes sense but you said maths is the reason but you said ‘ I hope to get ‘
2025-05-22 15:20:22
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JakeJakeJake :
massively oversimplified. if you owe £500k at 5.5%, you'll be paying more £ long and short term Vs the savings of 8% on £50k savings
2025-05-21 16:23:17
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Leroy :
The only upside to this is having the cash easy accessible. Unless your investment value is greater than your mortgage of course.
2025-05-21 16:03:42
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Tiernan Mcaleer :
when you have a mortgage you are exposed to interest rate risk, at some point over the next 30 years interest rates could go way up, and those that overpaid now will be better off
2025-05-21 20:24:25
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Greg Sinclair :
I invest £1700 a month to fill my isa, if I’ve got extra I might aswell overpay?
2025-05-22 10:10:58
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Walter White :
The mortgage saving is guranteed. Investment is not.
2025-05-21 16:38:15
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user4107607116723 :
Either way is good. Either decrease your debt or increase your investing. Depends on what your plans are. Eg in
2025-07-05 22:29:47
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Olivia's Skincare :
enjoy the interest then pal 🤝
2025-07-03 02:55:56
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Alkiunsworth :
I’ve done the same, even extended the mortgage term to lower monthly payments to allow more for investing. Last I checked to LTV spreads for interest rates are so tight too it’s not worth pursuing increased equity for now
2025-05-21 16:37:42
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Getmaybe50%ofreplieshonestly :
My imaginary number vs the real number
2025-06-27 11:14:08
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TheRay :
also,when you pay that mortgage over a long period,the value also reduces due to inflation whereas when you invest,you are getting back returns above inflation.
2025-06-26 08:17:43
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Dani :
The mortgage gets smaller when you overpay lol, so that frees up more money to spend on investing
2025-07-06 11:58:59
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Ivan :
how often do you think you can get an 8% return going forward when the cape shiller pe index is at as round 38?
2025-07-03 08:28:44
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R2D214 :
What would you say if you were a landlord and overpaying a second property?
2025-07-02 12:47:41
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Tom Marriage :
Assumes you are in a very stable job. Market crash = investment down, lost job but continued mortgage payments. Aim for a balance
2025-07-01 11:04:14
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remar_themortgageadvisor :
He’s not telling any of you that’s what you should do. Just sharing his strategy at this moment in time.
2025-06-18 13:41:57
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remar_themortgageadvisor :
This is a good video to show ‘different strokes for different folks’ and this is why your mortgage advisor needs to know your full long term plan. This will work for someone who is looking to maximise the number of properties in their portfolio. Someone who’s looking to maximise the equity in each property they wouldn’t be looking at aggressively overpaying.
2025-06-18 13:41:20
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domc :
Unless you have enough to invest that is the same amount as your mortgage this math doesn’t math. E.g if you are borrowing 500k for mortgage at 5%, but only have 50k in savings at 8%, then overpayments are far better, as the interest growth on a bigger borrowing number is far worse than the interest gained at 8% on a smaller number
2025-05-21 18:20:49
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