It's not totally irrelevant - for example it influences the LTV ratio which can dictate what tracker rate is available to you.The total loan is less then 50% of house value (well aware in a falling market house value is irrelevant;
Have you worked out how you might be fixed and what adjustments might need to be made if this did happen just in case?We've stress tested ourselves and know we could live on one salary - it just wouldn't be fun.
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