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@wedinn Okay in that case, fair enough. How did you end up with the seven-percenter to begin with—I assume it must have been fairly recently? And yeah 5 years @ 2.99% is decent, if fairly standard, all the big banks were offering that no questions asked when the pandemic hit.

@wedinn Why would you expect to be charged a break fee? Rates are obviously much higher now than when you fixed and they’re only charged when the bank is due to make a loss on your early repayment; it’s not just some random fee charged because they’re mean and nasty. I don’t think anyone...