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  • The spreadsheet is your friend.

    There's plenty of mortgage calculator templates available. Plug in a couple of scenarios (non-fixed term rate, remortgage with current provider, offer 1, offer 2 etc) and work out which is the best deal for you.

    Likely that the base rate+ model will either work really well or not work at all. If it's close, just go for the long term fixed.

  • Thanks for all the advice. Am looking at a 5 year fixed with additional borrowing for doing work on the house. Seems too easy so far...

  • Sounds like the right move.

    It always feels odd; getting approved for a mortgage. The banks really shouldn't be lending me all that money.

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