Quote Originally Posted by The Modfather View Post
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What’s the point you are making? If an Independent Scotland didn’t keep the pound then then the exchange rate comes in to play, you might get a little more for your money or a little less. Does that about sum up the Groundhog Day like debates on here?

We would be doing the same as every other country in modern history who have gone independent. Are there any examples from these independent countries you can give that show the negative impact having a variable exchange rate had on their mortgages?

That’s not to say that currency isn’t important and certainly something I personally need more clarity on in a second referendum. However is what you are talking about really all that different to variable mortgages?
I added this.

One month I might need to convert 600 new Scottish pounds to pay my £500 sterling mortgage, the next month due to exchange rates I might need to convert 700 new Scottish pounds to pay my still £500 mortgage. But I have had to find an extra 100 new Scottish pounds to pay exactly the same amount.

That's the risk.

If you or others can't see it then that's fine.