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  • Unless you can’t remortgage as the house has halved in value. Although as long as you can cover the payments who cares I guess

  • Yes, lock in to a longer term fix now if you’re worried and hope for a recovery before that expires.

  • Exactly my plan. I have enough LTV to get a 5 year fixed at 1.89% with current lender, am due to renegotiate in the next month so hoping the rates don't rise before then (although 0.25% is hardly the end of the world).

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