Help To Buy Redemption Timing

Futuristic

We have around 11 months left on our interest free HTB equity loan and was thinking we should borrow more from our current lender now to repay the loan and secure the current rates / property prices seem to be continually rising and our property on zoopla estimates and lenders own HPI valuation is +25-30% from where we bought few years ago.

Am I right in thinking this or I should do this when the interest free period ends next year? 

Thx

Thrugelmir

While 11 months maybe a little early. There's no harm in getting the process under way with time to spare. Far less stressful. 

Futuristic

Thrugelmir said:

While 11 months maybe a little early. There's no harm in getting the process under way with time to spare. Far less stressful. 

Thanks but the on basis I believe that:
a) property prices continue to go up (our property is nearly +25% since we bought it ~4 yrs ago)
b) mortgage interest rates slowly creep back up as economy reopens

Would it not be wise to do this much sooner?

Opinions welcome thanks