S
Cash is king in this credit crisis but if I were you I'd still be inclined to use (say) €50,000 of my savings to get myself out of negative equity and back to an LTV in the 80% to 90% range. I'd also (believe it or not) consider shopping around for a better mortgage deal. You appear to be the kind of candidate that the banks like to see and your 4.5% rate seems a little high. I'd also look to shop around for the very best deals in relation to your savings. You're definitely not getting the best rates. Finally, I think that you should increase your pension contributions to the maximum 20% allowable (for your age bracket).
I am not sure that cash is really king
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