Jamie
147 posts

Jamie
@JamieFInvests
🇬🇧 UK | 35 | Growth & Tech Investor Tracking the road to a £1M+ tax-free ISA. 🎯 📍 Horizon: 5-10 years Sharing stocks & portfolio updates. Tech Founder



















Owning a £400,000 house with a £350,000 mortgage in the UK in 2026 means signing a 25-year contract to give the bank around £2,050 a month, in exchange for the right to maintain a building you'll spend another £4,000 a year keeping dry, warm and structurally sound. At a 5% fixed rate, the total interest over the life of the mortgage is around £264,000. The total mortgage cost ends up at roughly £614,000. The price tag on the front door says £400K. The actual cost of living in it for 25 years is closer to £750K, before council tax, repairs, insurance and the new boiler. This is what the country has been calling 'getting on the ladder.'



























