Notes
Written when a client asks the same question three times in a month. No newsletter, no sign-up.
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Put a reminder in for six months before your fix ends
Most lenders let you lock a new rate up to six months ahead, and reverting to a standard variable rate for even one month is the most expensive accident in a mortgage.
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Why your first five years barely move the balance
On a 25-year repayment mortgage the early payments are mostly interest. Here is the arithmetic, and what it means for which rate you should be arguing about.