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@anotherklutz I'm in similar position to you. Mortgage due for renewal in November next year. Started on a 95% mortgage, due to house price rises round my way I'm down to 73% LTV though, I have a 2% exit fee. I've decided I'm going to just hang it out till then. Maybe lock something in mid...

@michael55 I assume you mean combined? As a base rate of that would also be unaffordable for most.

@michael55 Let's be honest, that would happen way before 15%.