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This. IMO best way to think about it.

Agree with your post overall Peter, no real idea which way rates are heading, but I do think the neutral 'norm' interest rate is sub 6%, at least for the medium term. But the government definitely is not broke. The opposite! In fact, the public sector purse is INCREDIBLY strong...

Your choice GaryK. Can do 10/90, 50/50, whatever proportions you'd like. Note that some lenders charge accounts fees for splitting your mortgage accounts. Cheers, Redom

I don't think anyone can say with any certainty - but there are some 'drivers' that are worth considering. I've heard quite a few SS stories of people thinking rates are near the bottom - only to fix their rate and for rates to fall further. A recession could hit, unemployment could rise -...

Agree with Peter on this one - much of the fixed rate market is dependent on international factors, rather than domestic funding markets. Internationally, the price of credit is at record lows (Europe, Japan and US). Over the coming period, it is quite likely that some of these countries...

Good question GaryK - one that's discussed a fair bit on the forums. Fixing your rate shouldn't only be viewed based on the interest rate - there can be significant break fees involved should you sell/repay your loan and it reduces your flexibility to make changes. A good reason to fix...