If you are on a special repayment arrangement on your mortgage, a new full repayment based on the new rate may not become due until the expiry of that arrangement.
So if I am now on a split mortgage... I am assuming that would be classed as a 'Special Arrangement'....And the expiry of that arrangement is when I turn 65 and pay off the warehoused amount in one additional lump sum...Does that mean I don't get the new rate until I'm 65??