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  • By degrees, yes. But if you have a £150k mortgage and you fixed last year at 1% £125 a month in interest might not make any difference to your lifestyle or stress levels. Indeed you might feel more comfortable having £150k in the bank.

    The offset mortgage is a catch all.

  • The £375 bit comes out of the £150k and is still yours, so it’s not a stressor. Or doesn’t if you’re doing interest only.

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