Can i refinance later if i lock the rate ?

[Ivan Fence]

I wantet to lock my rate last year at one of my rentals, but the bank told me then i would not be able to refinance later. Is this common in all banks? This was not in the us btw.

I am worried about increased mortgage payments, and do want a fixed rate. But my whole plan is to refinance later. So what to do?

Another thing that i havr been worried about is that i was planning to refinance 3 properties in the next 4 months or so, but what would happened if the marked crashed and my properties would go down 50%? Can the bank tell me to pay up quick?

Want to my more this year, but unserten times ahead.

Live in Scandinavia btw.

Thanks!