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Fixed Or Floating?....

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Ok so one of my mortgages is approaching the end of its fixed period.

I have been offered some quite attractive rates - but am torn between what to go for. I have a feeling there are going to be a few cuts next year - so wouldnt mind the discount rate - although I want to avoid being stung if there are any tory-like panic hikes in the not so distant future. Perhaps even paying a premium to ensure I can eliminate any downside risk.

What do you guys think about interest rates over the next 2 years?

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