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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.
hugo7
who22
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