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It wouldn't bother me if rates were much higher in terms of serviceability; I just don't want to miss out on good rates trying to greedily get great rates if I may get high rates in the near future by not fixing now/soon :p

So is now a good time to lock in rates in everyone's opinion? For me personally I would do it now (half at 6% for 3 years and half at 6.xy% for 5 years) just for peace of mind and for 'fear of missing out' if the cost of funding goes up and interest rates don't remain low as a result. Even...