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I don't have an offset account, unfortunately. I want to make sure I can make the repayments comfortably while travelling. If it breaks even with variable rates, I'm happy. If it's a bit more expensive (which is possible), I don't mind. I'm thinking of it as insurance for my my peace of...

I am looking to travel most of next year, so my income won't be as stable. I am going to fix for 3 years for peace of mind while I travel. I am thinking 90% fixed, 10% variable at this point in time. Anyone else in a similar boat?