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  • None because it's porting our existing mortgage, hence the rate rising in October when the deal expires - likely by a lot.

    I guess what we'd have to do if we were to get an offset mortgage would be to wait until our current deal expires to avoid a hike in fees and ERC straight away, and then look for an offset mortgage to replace it. The issue being we'll need the money within a couple of years, which might then limit the length of the deal we can get to avoid paying higher charges afterwards.

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