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Hey Komal ! , I would wait for a while before I fix it. It’s likely that other banks will come down very shortly.

– Jasmeet Singh.

Hey Levana! , first of all that is the best interest rate out there and interest rates are just tip of the iceberg. Ask them to help you structuring your mortgage better based on your own needs.

– Jasmeet Singh.

Hey Jess! , Longer term and big lump sum repayments because it will allow you to do higher repayments in the future. For example 500k mortgage on 30 years and you are making big lump sum repayments and after 1 year you got a big raise you can then go to your bank and can increase the repayments based on 20 years and you will still have the flexibility to make changes in the future to bring it down to whatever actual term you will have then! Hope this helps 🙂

– Jasmeet Singh.