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Thanks for the positive feedback. It's a topic I feel passionate about and it frustrates me when people dismiss fixed rates with "you can't beat the banks" Sometimes when we read advice on this forum it's easy to forget that each of us are coming from very different situationsand riding the...

I use fixed as insurance. Say you borrow 5 million. At 6% you are positive At 6.5 % you are neutral At 7% you are negative At 8% you are borrowing heavily to cover the shortfall. At 9% you are forced to sell properties. If you can fix in at no more than 6.5% interest rate...

I agree. I certainly haven't lost overall through fixing loans - mostly I have been better off. But if we had not fixed then mid last year we would have been in a seriously negative cash flow position. Fixed rates given us SANF, more certainty in planning (thus allowing us to be slightly...

Fixed rates can often be lower than variable. What she is saying factually incorrect. People can and do beat the system but it's an art form. Very few are masters at it. I think I get about 80% of mine right and in recent times they prevented me from hitting the wall.