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That's true, it would (hopefully) be more manageable in 2-5 years time as we'll not be paying 1k/month nursery fees, but yeah, not having the choice of the market would be potentially problematic especially as rates seem to be falling a bit - I'm seeing sub 5% 5 year deals now when the guy at L&C seemed pretty chuffed to get 5.5% a month ago.
Polygon
The minor faff with renewing and then porting is that you then will likely have 2 mortgages unless you’re able to cover the difference in the house prices, and that’ll then tie you in with a single lender until both were out of their initial period and you could get a new deal to cover both.
So you might be pushed into svr later on for a short while too