Why take in two lodgers, adding more members to our already busy household? Money is the obvious answer, but it’s what that money signifies: the ability to keep the family home we love 🖊️ jessiehewitson
Marina, who is Greek, was lodger No 1. She moved in nine months ago with her cat Titika and huge tubs of honey. My husband was nervous about the prospect of having a lodger, never having experienced living with one, but Marina, with her thoughtfulness and amazing cooking skills, has convinced him it works – so much so that he dreamt this week he owned a castle and rented out all the rooms.
Because it is going so well, once the boys had moved in together, my husband roared into action doing up the free bedroom and placing an ad on spareroom.com. We got our first reply within the hour . After a few email exchanges and viewings, we opted for a sensible foreign student in her twenties whose hobby, wonderfully, is reading. She moves in this week.
I felt smug at the time, but now I appreciate the downside to taking out a sizeable mortgage when rates could not be lower: they can only go up, and servicing that debt can only become more costly. The average rate for a two-year fix is about to hit 6 per cent. While we were lucky with our timings, my instinct is telling me that by the time we remortgage around Christmas 2026,If we had to remortgage now, our monthly payments would quintuple and we’d be selling up.
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