Yeah I'm leaning towards 2 year fix and using some of my savings to knock a chunk off of the overall amount before then.
We've been overpaying for the last few years so might increase that amount by closing the wallet for frivolous things.
I'm torn between looking at re-mortgaging now when it's pretty painful or waiting until November (my current deal is up in April '24) when it might be less painful, accepting the potential for it to actually be really painful.
Quite.
People don't give two shits about how I'm Alright Jack dealt with a gajillion-% rate in the 80s when they're trying to keep a roof over their head and feed their families in the here and now.
I've got the larger part of a split mortgage up for renewal in April.
I'm concerned but am, thankfully, one of the lucky ones who can afford to stomach a higher rate for a couple of years.
It's a scary time for many.