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  • Locked in 4.93% on a 2 yr fixed today. Hopefully HSBC will reprice downwards between now and the end of March but it’s a good rate considering where things were recently.

    Question is whether locking in for 5 is something to consider. Any consensus on long term rate changes?

  • suddenly I am very relieved that I fixed for 5y back in March.

    at the time I half thought that the rates would drop... but I couldn't really reason why we'd return to historical lows in a post-pandemic landscape where gov borrowing was so heavy, so I fixed for 5y and since then have been feeling more relief as each month passed. but that chart... makes me feel good about the choice

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