We are now £10k poorer...

[Diamond Hell]

If you are clever enough about it you can make money on capital

This is a lot of fiddling, I'd rather get busy earning it than fiddling with it.

Obviously in a perfect world I'd do both, but this ain't a perfect world. 

Most people forget after an interest only mortgage you still owe the bank the whole bloody lot

People are really that stupid?! 

[clipperjay]

If you are clever enough about it you can make money on capital

This is a lot of fiddling, I'd rather get busy earning it than fiddling with it.

Obviously in a perfect world I'd do both, but this ain't a perfect world. 

Most people forget after an interest only mortgage you still owe the bank the whole bloody lot

People are really that stupid?! 

Not stupid just forgetful 5 years or 10 years screams by, term gets closer and closer as life goes by without people wanting to know about future prospects in hand! 
If I had it my way I would liquidate state pensions and private ones even NI contributions and manage it myself!

[kittie]

I took out a tracker mortgage back in the day, right before the rate plummeted, pretty happy 

The amount of advice we got to take out a 5 year fixed at the time though was scary. So glad I ignored them all.