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I have to say, US has just been helping me out regarding a few potential routes I could take once my fixed rate ends and he was VERY helpful, especially with his quick responses. Thanks US.

Now I have a query which I'm kind of embarrassed to ask as I feel it's something I should KNOW myself. I bought my first property with my girlfriend over a year ago and, at the end of this year, the 2 year fixed rate is up. We basically scrapped together a VERY small deposit on a long mortgage...