Andy Pratt, the company's spokesperson, added that they should also consider their personal circumstances and think about how long they will stay in a property.
He went on to explain that recent concerns that some homeowners may be affected by negative equity are "not relevant" to people until they remortgage and sell a property.
"The positive side is that, during that period, the consumer will be paying off the mortgage assuming that they take out a repayment mortgage so they'd be paying down the capital and reducing their loan-to-value," he explained.
Mr Pratt added that anyone with concerns should talk to independent advisors.
Alexander Hall is one of the leading mortgage brokers in the UK.
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