Mortgages

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sohi in reply to @hippy

I'd always go shorter for flexibility.

This constant renewing doesn't make any sense if you are not a bank.
Like you say the last ten years show how pointless it is, people taking
short term fixes when the base rate is close to 0%, hoping for what?
Negative interest?

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hippy in reply to @sohi

For me, it was more that I was restricted in overpayments when "in" the mortgage. Because I had such a small mortgage (see risk averse/conservative buying approach mentioned) I had more money that could be overpaid than I was allowed.

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