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@hoefla
Does anyone recommend a particular one of those mortgages where you can offset savings and get them out again? Could it be worth trying to change mortgage sooner than the end of a fixed (couple years away)
Scenario is that we both have savings that we'd like to put towards overpaying, reducing interest and debt, and neither of us are clever investors. However, we're not overpaying because at some point one of us will probably want to take on the whole mortgage and we'll need the savings. I think. But it seems madness not to be reducing debt while we can.