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Yeah, though they aren't really loosing any extra money. It was a risk in return for piece of mind. They still have the piece of mind, and their budget is still intact. I would be feeling more of a missed opportunity feeling than a loss feeling if I had fixed my loans. I took a risk...

Lower interest rates will mean I can pay more off my PPOR giving me more equity quicker. It will also lower costs for IO loans, which will help cashflows - so it's all good as far as I can see.