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<blockquote data-quote="toquark" data-source="post: 8166163" data-attributes="member: 72428"><p>Been having the same thoughts. I'm carrying debt in the form of the loan to buy the place, its fixed very low for the next 4 years so I'm keen to get rid of as much of it as possible whilst its cheap. Equally, as the debt is cheap, and allows some room for maneuver, I've been regularly sticking some spare cash into S&S - mainly well spread multiple funds as a longer term investment to help keep pace with inflation. My thinking being that if the interest rate rises in 4 years and my loan repayment costs go up, I may choose to put the ISA gains into it and reduce the payments. It's a hedge - I may regret not putting it all into S&S, or I may regret not just putting it all against the loan. I also may decide to keep the ISAs working away and just chip away at the loan. Who knows, but I think the key is to be flexible and have a few options. One thing I would shy away from is property at the moment, its got the whiff of a bubble about it and the regulations for BTL are a nightmare.</p></blockquote><p></p>
[QUOTE="toquark, post: 8166163, member: 72428"] Been having the same thoughts. I'm carrying debt in the form of the loan to buy the place, its fixed very low for the next 4 years so I'm keen to get rid of as much of it as possible whilst its cheap. Equally, as the debt is cheap, and allows some room for maneuver, I've been regularly sticking some spare cash into S&S - mainly well spread multiple funds as a longer term investment to help keep pace with inflation. My thinking being that if the interest rate rises in 4 years and my loan repayment costs go up, I may choose to put the ISA gains into it and reduce the payments. It's a hedge - I may regret not putting it all into S&S, or I may regret not just putting it all against the loan. I also may decide to keep the ISAs working away and just chip away at the loan. Who knows, but I think the key is to be flexible and have a few options. One thing I would shy away from is property at the moment, its got the whiff of a bubble about it and the regulations for BTL are a nightmare. [/QUOTE]
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