Homeowners coming to the end of their mortgage deal are being urged to consider a lesser-known option that could give them breathing space, as the Iran war keeps markets on edge and rates unpredictable. The conflict has pushed mortgage costs higher and higher since it started on February 28, with lenders hiking rates sharply and pulling deals as energy prices surge and inflation fears grow. That has left many borrowers facing a tough choice - whether to lock in now at higher rates, or gamble on

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