Anyway, if you do find yourself approaching your 38 point without a clear job ahead it is worth applying for PAS as no FP=No abatement on PVR. Could save you nearly £16k on a 1 year PVR.
True, but PAS does come with a 5 yr RoS from your 38 point. Only really helps if you plan on PVR'ing at year 4 to be out after 5 years.