If you live in the US you have the option to take an Adjustable Rate Mortgage.
Don’t ever do that. Always take the fixed rate mortgage.
In the UK I don’t think there is a choice. nostr:note1s53q9de3x2wzy42gym9283gx4xw7jt3xdgfqwce0ca5vtgkueucsa0fxw5
...and make sure: "no prepayment penalties " is in writing.
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