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I've had variable rate since 2003 on every place I've owned and I've never regretted it even once... all my friends keep doing 5 year fixed for the last 15+ years paying 2% more than market price always and it's never helped them.
I look at it this way -> the bank always pushes you to lock in... does the bank EVER advise you to do anything that's beneficial for you without it also being even more beneficial for them? Nope.
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