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@resjudicata Yeah I got the rate in July, it's a joint borrower sole proprietor mortgage as I'm a student. They said if it was just me on my own it'd be a lower rate but also no one would lend to me as I didn't have enough taxable income lol.

@cbmiller I've just fixed for 2 years at 6.8%, hopefully it improves by then. It's a small mortgage (65k) so I may not feel an increase too much, yet...