Here's a good calculator to use: http://www.vertex42.com/Calculators/savings-interest-calculator.html As an example, a person aged 30 and retiring at 65, who uses his/her cash ISA allowance fully each year (assuming a fixed rate of 6%), will have invested 126,000 and earned 275,165 in interest for a total of 401,165.

Both parties need to agree on an allowance to be taken off the selling price. If you can't then you'll have to let the purchase fall through. Sad, I know, unless you want to fork out the extra cash. Perhaps if you got a quote from an NHBC-registered builder that might help?

Ellie - the results I worked out were for over 22 years. I figured that your rate for 4.79% was probably for a three year fix, and that you didn't want to extend the term, so no worries if you hadn't mentioned it in your first post.

My Experian score was very different to my Equifax - the latter didn't register that I'd held a bank account for over 10 years! Write to the company in question to correct your report.

You should close down the credit accounts you don't use!

ellie - yes the results are over 22 years.

I put your figures thru the MS calculator and it offered: Principality BS: 5.58% fixed until 2018: £612.38 per month Nationwide: 5.74% for 3 years £618.37 I'm not sure about the HSBC rate matcher, but the idea of fixing with Principality for 10 years at that cost seems like a good thing to me, considering your income.

I agree with drumster. Reducing the OD limit is like damage limitation if your card goes missing. With some banks you can apply for overdrafts online and get instant decisions. If your bank is like this, then it might be better to reduce your overdraft and increase it if necessary.

You are transferring previous tax years' payments into the new ISA, and if you have not made any payments for 2008/9, you can deposit 3.6k for this tax year.,

Have you exchanged contracts yet?