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mortgage help

I'm purchasing a new home (if i ever sell mines) taking out a mortgage of 70k was going to take it over 20yrs @ roughly £515pm fixed for 10yrs, I'm currently paying £630pm but new house needs a lot of upgrading so don't want to be penniless every month, anyway would it be best to keep it at 20yrs and over pay by £200 pm when my house is decorated or take fixed rate for less yrs and when thats finished reduce the yrs on my mortgage then.



elaine
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