[rogerxp]

Lots of balancing and juggling to be done in the coming months/years.

Thankfully, for our mortgage chap, it's going to be a busy time coming up. They've really suffered over the last couple of years as they just couldn't offer much to clients. With interest rates so low, and virtually everyone's mortgages defaulting to SVR eventually, the advice was to sit tight until the rates increase (good advice but doesn't bring the bacon home). As soon as the rates start to climb, or just before ideally, he's going to be calling everyone grabbing the best fixed rates (we've been building a database over the last couple of years of everyone effected) so hopefully recoup some of the recently lost income; that's the plan at least.