Quote Originally Posted by whitt View Post
To compare RAR figures with ourselves I wouldnt really take much notice of new investors RAR untill they hit 12 or 18 months which is the timeframe my RAR took to stabilise
Agree. Most RAR graphs appear to peak between 6 and 9 months, and then drop to a long term stable value after 12 - 15 months. The drop appears to be from 1% to 1.5%, but that would vary greatly on the loan grade spread etc.

Because I've put money in quickly and have stopped adding 'new money', I *suspect* I'll see a fairly quick and significant drop when it happens (probably early ~ 10 - 12 months in)?