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  • Been looking at a new mortgage deal as ours expires on 31 Jul. The cheapest rate was on a 5 year fix, so I'm guessing the industry are expecting rates to fall.

  • Yep, I did minimal due diligence and came to this conclusion :) Also needed flexibility of a tracker in terms of overpayments and porting in (very likely) case of moving within the next couple of years, etc.

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