tag:blogger.com,1999:blog-31350666.post-25630515263374363492008-03-30T17:56:00.002+11:002008-03-30T18:30:49.543+11:002008-03-30T18:30:49.543+11:00

The problem with changing from a variable rate home loan to a fixed rate loan is that by the time it seems like a good idea, the horse has probably already bolted. Locking in a fixed rate at the top end of the interest rate cycle is worse than doing nothing. We converted around half of our home mortgage balance (home and investment rental property) into a five-year fixed rate loan a little under

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