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When banks set the pricing for their fixed rates, they're not really making any predictions on what rates will be after that. Pricing for fixed rates is primarily decided by what the banks themselves can buy the money for, then then add their own margins to that cost and the result is the...

It's only prudent planning to factor rate rises into your affordability plan. Rates are at an all time low, they will go up again at some point in the future. What I'm not so concerned about however is if the property is going to be positive or negative cash-flow. It's nice to have positive...