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What state are you in? My Lease/Options were two separate transactions $X for the rent and subject to Residential Tenancies Tribunal. $Y for the Option payable monthly (though I did accept weekly). The option at the time was not regulated by UCCC according to the advice I got. But things...

I offered the buyers the choice. All the Qld guys went fixed and had to pay penalties. In NSW and Vic the buyers went variable and were glad they did. I think it depends how long you want your deals to last. If you want them refinanced sooner then keep it variable. Or fix for a shorter...