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Chalfie
presently we have 2 mortgages with the same bank. One is carried over from our previous home and the other is a new one. As it stands, the products' renewal dates are separated by a two year period and one (the OG one) is due for renewal early next year. The sensible thing to do wold be to consolidate the two mortgages into one, which technically we can do if we renew the one due for renewal for 2 years fixed, after which the two will be aligned, at which point we can go down the one mortgage to rule them all route.
Obviously this comes with the risk of having to face down the uncertainty that will befall us all come march next year with a mere 2 year buffer as opposed to opting for a 5 year fixed now which, whilst seems more pragmatic in the sense that it will hopefully minimise our exposure to the bumpy road ahead, will mean we wont be able to align said mortgages fro some time hence.
any pro tipz?