Karena Duane

What you need to do is you need to go and sit down with somebody and talk to a mortgage broker.

and see what your options are because it's only when you put all your information out on the table that somebody can assess it.

But even if you are worried about it and say, look, I don't think I'm in a position, even to go and get the information can put your mind at rest to a point where you'll say, right, now I'm going to make sure that in five years I have myself in that position to be able to go and get the mortgage.

So I wouldn't be ruling it out by any means, Clare, at this stage.

Yeah, well done to them as well for, again, looking outside at different options.

Now, not all lenders are open to self-bills.

And over the past 12 months, the cost of self-bills has dramatically increased.

But again, and I've always said this throughout my career, unless you go and get the information, stop making decisions.

Because if you don't have the information to hand, you don't know what's out there, what's available to you.

So it's about exploring all those options.

Yeah, it's absolutely amazing when you look at how much it can reduce the term and the amount of interest that it will reduce you pay it.

Again, it's back to looking at, you know, do you have, if you have that disposable income where you can pay,

I would always say to people, look at your foundations.

Do you have a good emergency fund in place?

Do you have money set aside for kids for going to college?

How's your pension looking?

And then I don't think it's about looking at one over the other.

It's about seeing what's most important to you in the short term.

Because I have met people that have come in and they're like,

I just want to pay off my mortgage.