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I realize I wouldn't get a fix at 5.21, I was factoring in at least an extra 1.5%. Back in April I didn't even have a loan. Might stick with variable for now, see what the deal is early next year.

With the news of possible rises before xmas, what are you gonna do on your variable loans? Im on 5.21% va at the moment, looking at fixing soon, but unsure of when.