Colli Real Estate

I have about £50k to invest but am thinking the best return would just to be to pay off some of the mortgage?

My mortgage is up for renewal on the 1st November and don’t think there is any saving scheme that can beat what I would be paying in interest on the property after tax? I have maxed out mini cash ISA this year. Mortgage I am going for is a Nationwide tracker at 0.48% above base rate. It is a little more as it has no fees as mortgage would be relatively small after lumpsum. Nationwide are my current lender so I don’t need any surveys or valuations done and is fairly competitive. But I am wondering if there are any safe investments that would give a guaranteed better return after tax than the quoted mortgage rate? Any advice or thoughts?

You’re quite right. If you have a mortgage with an interest rate of, say, 7.5%, that means you have to earn 9.375% of the mortgage amount every year just to pay the interest (because there is no tax relief on interest payments) – or 12.5% if you are a higher rate tax payer. Safe investments that pay over 9% are few and far between!

What I’d do is maybe put aside £7k as cash to set up a maxi ISA next year and pay the rest off the mortgage. The reason for keeping the ISA is that you want a “rainy day” fund you can access without having to sell or remortgage your home.

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