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I would not be banking on the rates stay below 5% for ten years as a attractive investment strategy,what's happens if the rates are above 5% within 18 months that's more predictable then they way individuals spend their money...

Read back in this site several years ago when the rates were going that way 8%,when I started the rates were 18%,very hard to get money and only through Banks,and if the bank manager did not like you ,they would just say come back in six months,plus unlike the "ASX" where you can be wiped out in...