Not to be a downer or anything, but 4.99% isn't that special...
I'm happy to wait and ride the interest rate roller coaster down.
Agree completely, Michael.
Banks have never been known for their generosity or philanthropy - so I'm cynical enough to think that if they're offering 4.99% for 3 years, then they fully expect rates to be below that level in 3 years time.
Not time to fix for a while yet, methinks!
Cheers
LynnH