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Crispin_Glover
Have you considered reducing the term (years) rather than reducing the monthly costs? Over the life of the mortgage, you could save serious £££.
We're just waiting for our final paperwork but we're reducing the term by 5 years, and the rate by 50%.
5 year fixed (20 year term) @ 2.19%. We save ~£40k over the life of the mortgage (assuming we don't change again in 5 years)