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You're right Tyla. I had partially fixed rates (and partially variable) back when they were ~8-9% last time round and I found it a good approach. I may do something similar should I see rates going north again in future. I'm not losing any sleep on it :).

This is also a concern for me. Fixing doesn't seem like a good idea as historically you're better off going variable something like 80% of the time. Besides, the banks have an army of people (read: nerds) forecasting rates so are likely to be better informed than you. Thus if you ever fix...