He recently took out a flexible fixed rate mortgage with Skipton Building Society.

“I chose a flexible mortgage because I wanted the freedom to make overpayments and take payment holidays,” says Ben.

“I didn’t want us to be worrying too much about the mortgage once the baby is born.

“Overpaying now, when we’re both working and can afford it, gives us peace of mind. It means that, if we find we are struggling with our repayments later, we can take a payment holiday one month if necessary. We hope we won’t need to, and that by overpaying now we will actually end up paying off our mortgage early, but it’s nice knowing that we have the option.”