Returning in to Ireland with family in 2021

Accept there is a greater than zero risk with TR and fair enough that that is considered.

But the future increase in mortgage rates isn't really relevant as when the rate goes up, money can be withdrawn from TR to make an overpayment. Unless I'm missing something which is always possible!

True but you might decide that extra few grand in TR would be well spent on a holiday rather than your mortgage. Maybe just me but I treat my overpayments as another bill!
 
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