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@mhrova Or to put it another way, if you didn't correctly predict the current rates two years ago (which I'm guessing you didn't, otherwise you'd be on a 10 year fix), then you shouldn't be trying to guess what they'll be in another two years.

@oddexperience If you're happy with the size of your emergency fund, then you overpay unless you have a savings account that pays more than 5.9% interest. Otherwise you should build up your emergency fund until you are happy with it.