Your mortgage should match your season of life.
What works at 30 won't necessarily work at 45.
And what works when you're building a business may not suit when you're stepping back.
I see this often.
A structure that made perfect sense at the time slowly becomes restrictive.
Aggressive principals repayments when liquidity is tight.
Interest-only lingering longer than it should.
No buffers because "we'll just manage it".
Debt isn't the enemy.
Mismatch is.
If you're:
- growing a family
- scaling a business
- planning a renovation
- thinking about a move in a few years
Your structure should reflect that.
Sometimes that means prioritising flexibility over speed.
Sometimes it means building liquidity before attacking principal.
Sometimes it means separating loans so one decision doesn't affect everything else.
Best-interest duty isn't about the rate you get today.
It's about whether the structure still works when your life shifts.
Because it will shift.
Leverage wisely.
