I’m not being crass, genuinely concerned. You may have a look at some mortgage calculators, tinker with rates and see how much you need to be paying to stay on amortization schedule if/when rates change. Small changes in interest rate can leave you paying more interest than principal if on variable, or weather a shock on renewal of fixed. Especially if valuations drop. This is dependant on how close to your financial ceiling you are at the get go. You may very well have a good amount of cushion should things shift, that’s be great. Rates can also change for the better, but either way, it’s important to understand in advance what could be ahead and prepare. Congrats on the house, it’s a great feeling. It will more than likely be the best of times, better so if you’re prepared for the worst.