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@endsoftheearth We never expected rates to go lower. But at the time, the fixed rate offered to us was 3.45%, which was already more than the double of variable. Even in case of increases, it would take 8 consecutive increases of .25 points before breaking even. So even if interest rate would...

@raffadalbo This might be the first time I'll be contributing towards my variable mortgage before my TSFA! Started at 1.45%, I'm now at 6.2%.