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@Sparky
Just had an initial call with bank, waiting on mortgage advisor to call this afternoon. Worst case scenario is that I stick with tracker for a while until I'm safely in work, then remortgage. I don't imagine it'll take long. I also don't want to be in this flat for too long before making the move. We could in theory just sell up and borrow enough on Mrs Sparky's salary alone to get a place we want (next door to @amey ) so that's an option. We "only" owe five figures currently so interest rate move won't be too terrifying.