Intro

A UK resident with a mortgage mainly faces interest-rate risk. An expat often faces two risks at once: the interest rate that affects the sterling mortgage payment, and the exchange rate that affects what that payment costs in the currency they earn.

This self-check helps you understand how exposed you are to both risks, and whether that exposure is being actively managed or simply carried. It is not designed to predict rates or exchange rates. It is designed to help you measure the risk more clearly.