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  • Anything else I'm not considering?

    Changes in income / outgoings. Ie kids.

  • Was going to add this one too,

    We decided to start moving during my wife's maternity leave and as a freelancer running a LTD company it put our plans of porting the mortgage into the dirt, our mortgage broker has said they've become pretty strict in recent years

  • We timed it perfectly with our first as my OH would have had no income had we gone for a shorter term. We were then just very lucky with the timing of our second.

    Higher education would be another eg. Say if one person did a PhD.

    It also depends on how much your default rate is and whether you could manage it for a bit.

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