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However, fixing limits your scope to refinance. In a down market it might make sense to prepare to buy more? For example, if the market tanked I wouldn't be sitting it out: I'll be buying. (I'm playing both sides, as you can see). Alex

Calling a spade a spade, I believe property didn't do very well when rates were high. If you survived, you had to sit tight for 5-7 years waiting for the next boom. There are always many people who make millions. The question is are you prepared for, say, a significant increase in rates...