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Hi tb, I believe Sash beat me to your answer. However, 0.58% can mean a lot of interest over a year depending on your debt level. You need to really nut this out soon and work out what the best way forward is. Guessing what interest rates will be in three years is just that - a guess...

Hi there tbinvestor. I am suprised your interest rate is at 6.61%. You are aware that with most packages you can get 6.06% atm? I know that doesn't answer your question but by the sounds of it, you have a few Mortgages. 0.55% can make a big difference depending on your level of debt. It...